Auto and Car Insurance

how many car insurance policies can i have?

I have one normal and one classic car but I need to insure another classic? Can anyone offer advice or information? Thanks :o)

Public Comments

1. You can have as many as you want , but only one per car !!
2. You can have one per car or you could get a multi car policy. Shop around to see if you can save money. The Classic Car clubs give good advise on insurance and often recommend good companies. I used to insure my MG through the MG Owners Club.
3. I would add the 2nd classic to your current classic cars insurance. I hope it's a good underwriter. In reality you can have as many different policies that you are willing to pay for. With your classics you may want to customize the policy. For example when I purchase the car and it is not in restored condition I will set the policy to pay out only what I have invested in to the car. I purchase the car for $3100 I only want the policy to cover for that 3100. This keeps my cost down. Now after I make some improvments to the car the value will go up. I then adjust the value accordingly. (this is why I said "I hope you have a good underwriter) The agent that I go through for my car allows a variable cost policy for my classics up to 50,000 per car. so I am never paying for more insurance then what I need. Of course every policy has the minimun required insurance level for property damage, liability and such, but having the variable replacement cost helps. if the car where to be stolen or damaged, I know it is covered. I hope this helps.
4. You can have as many insurance policies as you wish, even if you only own one car! If you make a claim though, each company must be made aware of all the other policies so the payout can be shared between them. You can only recieved the cars value once.
5. You can get all policies, but just a suggestion get only you need...The best you could do is shop for car insurance and get quotes (5-10 quotes) for you to compare and see where youc an get a good price for the policies you need... try this site for you car insurance search http://www.nightbirdssolutions.com
6. The best thing to do is insure the classic on the same policy that you currently have for your other classic vehicle. They will give you a multi car discount on the policy.
7. you can have as many as you like. however it may be more cost effective to have either a multi car policy or a fleet policy.
8. You can have as many as you like. Even if you only have one car, though each insurer must know about all the others (you'll get asked on the proposal form).
9. You can have no more than 1 policy per vehicle. Often it is possible to include more than 1 vehicle under a policy; check with your insurers to see the most cost-effective way to insure all your vehicles together. There are "home mini-fleet" policies these days whereby all vehicles within a household can be insured together.
10. Check with your insurance company ,they will give you the right information.