Date: Tue, 29 May 2007 12:28:38 -0700
Reply-To: PB <pbrattan@GMAIL.COM>
Sender: Vanagon Mailing List <vanagon@gerry.vanagon.com>
From: PB <pbrattan@GMAIL.COM>
Subject: Re: Teenage Driver assigned to Vanagon
In-Reply-To: <465C4FDF.6040009@gmail.com>
Content-Type: text/plain; charset=ISO-8859-1; format=flowed
I live in Los Angeles, California, and this system of determining insurance
costs has applied to 21st Century, which insured me for around 18 years, and
then Wawanesa, a little known company that turned out to be half the cost of
21st Century for the same coverage. There's only one difference that I know
of that doesn't affect me personally. With 21st, if you lend your car to
someone for any reason, your car is covered. With Wawanesa, the only reason
they will cover your car if driven by someone else is if you've requested
some sort of help (errand, too tired to drive) from that driver. I would
only let someone drive my vehicle under those circumstances, anyway, so that
didn't bother me.
I thought that 21st had superb service, but I seldom had to use it. I've
never had any problems with Wawanesa, but have had no claims during the 5
yrs I've been insured by them. The last claim I had was from 21st in 2002.
It was for a windshield that cracked in the sun. I thought I'd just check
to see if it was covered, and it was!
I don't know if rates are determined by county or just by the insurance
company. Some insurance companies offer discounts if a teenage driver gets
a good report card.
BTW - I remember the exact day I got my license and took my first drive
alone at age 17, the minimum age in New Jersey. I almost ran over a traffic
cop because I thought he was saying hello to me! It was a very small town.
Luckily, he only yelled at me!
Patti
****************************
On 5/29/07, Michael Elliott <camping.elliott@gmail.com> wrote:
>
> I think this varies depending on what state you are in. Here, in
> highly-overcast coastal San Diego county, CA, the rate is determined by
> the highest-value car you have on your policy, regardless of what you
> declare as your primary vehicle; and by the most expensive person to
> cover. In our case, it's our 94 Volvo 850 + the 16 y/o daughter. To
> lower the rate, we'd either have to lose the Volvo or the daughter. Or
> both. Can't decide.
>
> --
> Mike "Rocket J Squirrel" Elliott
> 71 Type 2: the Wonderbus
> 84 Westfalia: Mellow Yellow ("The Electrical Banana")
> 74 Utility Trailer. Ladybug Trailer, Inc., San Juan Capistrano
> KG6RCR
>
>
>
> PB typed:
> > 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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> >
>
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