Car insurance weirdness.

[paigeoliver]

If I own just my Suburban than my insurance is like $600 a year.

If I own my Suburban and say a Ford Escort my insurance goes up to $1200 a year.

But if I own my Suburban, a motorcycle and a freaking motorhome my insurance is only $825 a year. What is up with that anyway? I can't afford to insure 2 traditional vehicles at the same time, but apparently I can insure an entire fleet of nontraditional vehicles less than the price of a second car.

Even if I didn't want a motorhome for recreational or residential usage it would STILL be cheaper (even with the 6 miles per gallon) to keep one as a backup vehicle instead of a compact car.

I could actually insure 2 motorhomes and 4 motorcyles for the price of ONE extra car.

[Stingray]

I expect that's just it. A motorcycle and a motorhome are vehicles that the insurance company see as recreational vehicles. They think you are only going to have them on the road occasionaly, and therefore see them as a lower risk. The Suburban and the Escort they see as cars that will get daily use, will be on the road nearly every day of the year, and have a higher probability of being involved in an accident.

I'm not saying that is or is not how you will use the vehicles, it's just how the  insurance company thinks you're going to use them.

-S

[ChadTower]

It's about how much it will cost if you wreck the Escort.  In the Escort, if you so much as hit a parking meter, you're looking at 3 months in ICU.

[paigeoliver]

It's about how much it will cost if you wreck the Escort.  In the Escort, if you so much as hit a parking meter, you're looking at 3 months in ICU.

Um, I don't get full coverage, I only get liability, so it only pays for damage I cause to other people/cars and not to myself.

[paigeoliver]

You are right about one thing, small motorcycles not causing any damage in accidents. Last week I had a truck pull out in front of me and then immediately STOP. I hit him, no damage to me, no damage to my bike, no damage to his truck.

[Bones]

Consider yourself lucky. A run in with any vehicle let alone a truck, is normally gunna end bad.

[paigeoliver]

Consider yourself lucky. A run in with any vehicle let alone a truck, is normally gunna end bad.

It was fairly low speed, I was aware of everything, I saw I had two options, skid into him and hit him straight on at low speed, or try to dodge right into the ditch.

I opted to hit him, as the ditch had more potential for damage as it could have flipped me, or caused me to impact him at an angle. Had it been higher speed then I would have taken my chances with the ditch.

[ChadTower]

Hey, there's accident #1 already.  You're well on your way to being an amputee. 

[Zakk]

Hmm, with the motorhome is teh difference made up in that you have to also get home or contents insurance?

[Jabba]

Hey, there's accident #1 already.

[ChadTower]

Hmm, with the motorhome is teh difference made up in that you have to also get home or contents insurance?

[paigeoliver]

I ensured my motorhome as a vehicle and not as a residence. Just got liabilitiy, did not insure the contents.

[ChadTower]

Wow, I see people using insure and ensure interchangeably all the time, but never both of them in the same paragraph.