I've learned that the price you pay depends on the car that you declare as
the primary vehicle.  I declared my 1987 Dodge van as my primary, and only
have it on liability.  My '02 Jeep Liberty has a lower rate schedule as a
secondary vehicle.  If I were to declare the Jeep  as the primary, the cost
would have been higher.

I know this because I asked the agent to give me 2 quote comparisons based
on each car being the primary vehicle.  The agent complied with my request.
I then declared the lower cost car as the primary.  I have to pay $101 until
the end of my term, July 18, for full coverage on the Westy.

I also learned from asking the agent that I can get a ding repaired just for
my deductible with no increase in my premium, as long as the company doesn't
have to pay more than $1,000.  That means the ding repair can actually cost
$1,300, since my deductible is $300.

I also asked questions to find out their cut-off points on the yearly
mileage.  In my company, the rate is higher if you drive the vehicle more
than 6,000 miles yearly.  Their lowest cutoff point is 6,000 miles.  Other
companies have different cutoff points.  So I declared all of my vehicles as
6,000 miles.  I actually drive them much less, and anyway, for me, I might
drive 18,000 miles over a 2 year period, so it's accurate to divide the
mileage between each.  If I told them I drove any of my cars over 6,000
miles, the rate for it would be higher.
Patti
*********************************
On 5/21/07, mad madeline <mac10wv@yahoo.com> wrote:
>
> If you have a teenage driver, have them assigned as the driver of your
> Vanagon, then check to see that they are covered no matter which car they
> drive.  My insurance agent figured this out and has my 17 year old as the
> driver of the Westie.  The yearly rate for her fell from 1100 to 785 and the
> rest of the policy didn't change because she is now on the extra car that
> was a minimal cost anyway.
>
>
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