It also makes a difference if the vehicle is a daily driver or not.  I've
found that once you have more vehicles than drivers, the cost per vehicle
drops tremendously.  Actually, when I was still single it cost me LESS to
insure 3 cars than it did to insure 2 cars.  The multi-car discount I
received more than made up for additional vehicle.  I think I kept that
car insured for about 2 years after I sold it. ;-)

Below is what Brunhilda cost us with Geico when listed as a 3rd vehicle
for 2 drivers (i.e., low mileage & recreational use only).  Our insurance
also dropped significantly when we moved from Sacramento to Mariposa,
which is where we are now.

Directly from my Geico policy page:

1986 VOLKS VANAGON
Coverage  Limit  Deductible  Premium

UNINSURED MOTORIST & UNDERINSURED MOTORIST $30,000/$60,000   NON-
DEDUCTIBLE   $5.90
MEDICAL PAYMENTS $5,000   N/A   $15.60
PROPERTY DAMAGE LIABILITY $25,000   N/A   $28.40
BODILY INJURY LIABILITY $30,000/$60,000   N/A   $39.40
COMPREHENSIVE N/A   $1,000 DED.   $12.60
COLLISION N/A   $1,000 DED./WAIVER   $38.00
EMERGENCY ROAD SERVICE N/A   NON-DEDUCTIBLE   $10.60
RENTAL REIMBURSEMENT $750   NON-DEDUCTIBLE   $6.10
   Premium Total:   $156.60

For reference, the other cars on the policy are listed below with their
6/mo policy costs (same coverage levels).

JD Foster
His: '96 BMW Z3  ($457.10 per 6 mo)
Hers: '00 Honda Civic  ($520.3 per 6 mo)
Ours: '86 VW Westy (Brunhilda)  ($156.60 per 6 mo)

-----Original Message-----
From: robertmstewart <robertmstewart@MAC.COM>
To: vanagon@GERRY.VANAGON.COM
Date: Thu, 4 Dec 2003 11:21:09 -0500
Subject: Re: Types of Titles and Insurances

> > I purchased my 89 Carat this summer from an owner in Florida. Based
> on an a
> > family members recommendation I called Gieko, told them it was a
> Camper
> > Vanagon with a queen bed in the back and table and they gave me the
> rate for a
> > camper.
> >
> > I have coverage just for personal injury $100/300,000, also known as
> no-fault
> > but with higher coverage ratio. With it Garaged and only a weekend
> driver,
> > they gave me a rate of $495 or something close to that. Which is a 6
> months
> > rate. So basically a little under a $1,000 a year for coverage. If I
> wanted to
> > add full coverage for everything it was another $100 per 6 months,
> making it
> > $595 I think. I would talk to them, be nice and tell them all about
> the bed
> > and table and stove and sink and fridge. I am sure you will get a low
> rate. I
> > have a regular title as well nothing special.
> >
> > Rob
> > NYC
> > 89 Carat
> > ----------
> >
> > Hey Everyone,
> >   I have an '80 Westy Weekender in NJ.  I've talked to a few former
> owners who
> > told me about getting either Camper Insurance on their vans or Mobile
> Home
> > Insurance.  From the sound of it, these insurances were both pretty
> cheap so
> > I'm very interested, but I can't seem to figure out how to get my van
> > classified as one of these things.  I called the insurance company
> and they
> > told me to call the DMV and they didn't know what they were doing.
> Does
> > anyone have any info on how to get this cheap insurance for my van.
> All help
> > is appreciated.
> >
> > Joe Lapp
> >
> >
> > ---------------------------------
> > Do you Yahoo!?
> > Free Pop-Up Blocker - Get it now