Originally Posted By: eljefino
Originally Posted By: OVERK1LL
Originally Posted By: SLCraig
For what you probably spent on those winter tires, you could have just bought a $500 car to drive in the winter.. I probably would have.
No, because adding another car to the policy is several thousand dollars (because my wife has to be covered on it). Remember, I paid $500.00 for the Focus. I seriously regret getting rid of that car, it was reliable and good on fuel. It also had four snow tires and was very capable. I don't regret getting the 328, but I do regret not getting it sorted out during the summer, whereas now, that option doesn't really exist.
What does the policy say about penalties? The literal policy document? While I've seen insurance companies claim you have to list all licensed drivers in your household, they can only deny payment on an accident if said licensed driver was driving the insured car,
and said driver would have caused higher rates. Per a policy of mine I read a couple years ago-- they can all be different and even develop subtle changes upon renewal.
Just throwing that out there-- paw through your policy or ask your agent.
Since we have more than one vehicle, my wife has to be the primary on one of them. It was the 328i. Now she is going to be the primary on the truck.
She's only had her license for two years and already had an "at fault" accident. This makes her somewhat high risk I guess and so her coverage is 4K a year on top of what I would normally pay to insure 3x vehicles with full coverage.
It sucks
