Date:         Tue, 3 Jun 2003 15:11:26 -0500
Reply-To:     VWNut Hawk <vwnut@HAWKCOMPUTING.COM>
Sender:       Vanagon Mailing List <vanagon@gerry.vanagon.com>
From:         VWNut Hawk <vwnut@HAWKCOMPUTING.COM>
Subject:      Re: Here's my problem with Insurance!  Too many vehicles.
Comments: To: sstones@idirect.com
Content-Type: text/plain; charset=US-ASCII

Are you sure?

 They can exist on your
own property and be worked on, camped in etc. without
collision/liability
insurance.  :)

Illinois has random insurance checks.  When we get the plates and
registration we agree to
keep them insured for the period of registration.  I have been randomly
checked on the 68 bus.
I had to provide my insurance policy number and the insurance carrier
name and phone number.

I think I'd have to give up the plates and re-register them if I wanted
to drive them.

I do get to drive them every week for one purpose or another.
I drive two of them as business vehicles when I go to my clients
locations.
I drive one to haul camping stuff, canoeing etc. or what ever household
fix up I'm doing.
My wife drives one once a week to school were she teaches.
Yes I could get by with fewer but they do get driven and enjoyed.
I only carry the collision/liability as I'm sure they'd be totalled in
heart beat for $500.00 or less.

Thanks for the reply and input.
John


>>> SStones <sstones@idirect.com> 6/3/2003 3:00:00 PM >>>
At 02:40 PM 6/3/03 -0500, you wrote:
>I wish I could insure myself and not the vehilces.  I have 3
vanagon's
>running.
>I have a jetta and a 68 bus that run too.
>My wife and I are the only two drivers in the household (so far).
>My son will be 16 next year.
>I have to pay $164.00 every six months per vehicle.  While this still
>works
>out to much less than a new car payment it's still to much.
>I haven't been able to find any insurance company willing to cut
>me a REAL multi vehicle discount.
>
>Anyone have any options besides giving up some VW's?

Do you really need them all fully insured all the time?
Only fully insure the ones you need, and just keep minimal theft-fire
insurance on the others. Surely you can't manage to use all 5 vehicles
at
once, nor can you need more than one vanagon road-ready for any given
season, could you?
I have 4 vehicles, but only two of them are insured to be driven.  The

other two are only insured against theft and fire. If/when I need them
I'll
have to go through the hassle of changing their insurance status again,
but
it seems to be as easy as a 10 minute phone call. They can exist on
your
own property and be worked on, camped in etc. without
collision/liability
insurance.  :)