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re: Do you keep a second or third vehicle? How much are you paying for INS?
Posted on 5/23/26 at 5:58 pm to lsu xman
Posted on 5/23/26 at 5:58 pm to lsu xman
quote:
Trying to fight the urger of having another vehicle that will barely get used and paying INS on it. 2600/yr total for 2 vehicles now. Hopefully someone will chime in about paying absurd amounts for their kids. Maybe that will make me feel better about another thousand in auto INS.
My third vehicle is a 2022 F250 and it’s probably about $120 a month. I think I pay around $280 or $290 for the 2022 F250 and 2025 X5M comp. Figure the F250 is a little less than the X5.
My Tesla is covered by the company I work for.
1
Posted on 5/23/26 at 6:08 pm to Rize
I pay $250 a year for insurance on a convertible I don't drive much. Policy requires the car be parked in a locked garage & drive less than 5000 miles a year. Location MS.
Posted on 5/23/26 at 6:08 pm to lsu xman
We have 2 drivers and 3 vehicles. Insurance is about $1400 a year.
Posted on 5/23/26 at 6:16 pm to lsu xman
1989 ford fkn ranger, 4*4 with a 4" lift. It probably costs me 250 a year in insurance
Posted on 5/23/26 at 6:16 pm to Jim Rockford
quote:
When my mother died I put her vehicle in my LLC so my sister would have something to drive when she comes in for a visit.
If I were doing fraudulent shite with my business, I definitely wouldn’t post about it here.
Posted on 5/23/26 at 6:19 pm to FieldEngineer
Nothing fraudulent about it.
Posted on 5/23/26 at 7:22 pm to lsu xman
$800 every 6 months for mine, $500 fo rmy wife's. My daughter's was $600. We allowed my daughter to start paying her own at 26. She said she got a little better deal.
Posted on 5/23/26 at 7:55 pm to kywildcatfanone
quote:
We have 2 drivers and 3 vehicles. Insurance is about $1400 a year.
Who are you with? Is that full coverage?
Posted on 5/23/26 at 8:10 pm to stout
quote:
Have 3 but one is owned by my business.
Pay too much for insurance
Same. “Mine” basically sits in the driveway outside of hunting season and vacations, or trips to HD.
Pay just under $415/mo.
Posted on 5/23/26 at 8:49 pm to Jim Rockford
quote:
Nothing fraudulent about it.
Of course there is. You put a random vehicle in your LLC’s name for a non-business purpose.
You do you. Personally, I keep business and personal strictly separate in case of a lawsuit or if the tax man comes knocking.
Posted on 5/23/26 at 8:50 pm to Obtuse1
quote:
We have 3 of our vehicles insured with limited miles. There are some companies that have a base rate then pay a fee per mile. When you have more vehicles than divers it is easy to set one as pleasure only. It makes a difference but not as much as a limited mileage policy. Talk to your agent there are lots of options but you may need to change insurance carriers to get the best advantage.
I need to look into this. Any carriers you know that are better at doing this?
Posted on 5/23/26 at 8:57 pm to brass2mouth
We switched our spare that we hardly drive to MileAuto. Every month we have to send a pic of the odometer and only pay based on usage. It's usually about $55.
Even that has been a waste, we kept it around thinking it would be good for kid's first car almost a year from now but by time he has license we'll have paid for 17 extra months or so.
Even that has been a waste, we kept it around thinking it would be good for kid's first car almost a year from now but by time he has license we'll have paid for 17 extra months or so.
Posted on 5/23/26 at 8:59 pm to lsu xman
My wife drives a pos into and from work. Then we have 3 pickups (1 is 3/4 ton diesel) just for the 2 of us.
I want t9bget my wife a nice SUV vmbut we have no need for 5 cars for 2 people.
I want t9bget my wife a nice SUV vmbut we have no need for 5 cars for 2 people.
Posted on 5/23/26 at 9:02 pm to lsu xman
quote:
Do you keep a second or third vehicle? How much are you paying for INS?
I am single and just own my personal car. It's small. I have seriously thought for a few years just buying a beat up pickup truck and not getting insurance. I do rental property and it would be nice to be able to haul things.
Posted on 5/23/26 at 9:07 pm to billjamin
Sounds like a Hagerty-type deal
I've had tons of experience with car insurance.
Hagerty and SF pay claims, at the best shops.
GEICO and Safeco can EAD.
There's another shitty one that I cant recall ATM.
I've had tons of experience with car insurance.
Hagerty and SF pay claims, at the best shops.
GEICO and Safeco can EAD.
There's another shitty one that I cant recall ATM.
Posted on 5/23/26 at 9:11 pm to N2cars
quote:
Sounds like a Hagerty-type deal I've had tons of experience with car insurance. Hagerty and SF pay claims, at the best shops. GEICO and Safeco can EAD. There's another shitty one that I cant recall ATM.
I did get a Hagerty quote but need to see how it works with my umbrella.
Posted on 5/23/26 at 9:38 pm to lsu xman
3 cars
When moved to Az from La our insurance dropped 45%.
Homeowner dropped from. $5800 to $1800 - no shite
When moved to Az from La our insurance dropped 45%.
Homeowner dropped from. $5800 to $1800 - no shite
Posted on 5/23/26 at 10:53 pm to billjamin
quote:
need to look into this. Any carriers you know that are better at doing this?
Do you carry insurance on any atv’s or ranch rides? I never have but have thought about it.
Posted on 5/23/26 at 10:58 pm to lsu xman
Shop car insurance every 6 months, house, every year!
Posted on 5/23/26 at 11:14 pm to Rize
quote:
Do you carry insurance on any atv’s or ranch rides? I never have but have thought about it.
We have an ag policy for everything that gets left out there and the ranch hands use. We keep it separate.
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