Finally insurance I can live with.
Over the past 5-6 years I have tweaked my National Interstate Insurance almost every year trying to keep the price down. Ten years ago I started out with replacement value and a $5K diminishing deductible for around $1200. Price did not change much for four years but about then I went to stated value to keep the price the same. Each year I'd reduce the value to the low side of what it would cost to replace it.
This year I reduced the value to $100K but they want $1700 for less than half time use.:M I seriously considered going to liability only and take my chances but National will not write such a policy.
Foremost Insurance will write it and it's only $178 and full coverage would be $1400 but I'd be back at $5K diminishing deductible. Unlike National, Foremost will let me switch between full coverage and just liability. With full coverage only half the year it's going to cost $800/year. I can live with that BUT you may not want to.
If you have a mortgage you cannot drop the full coverage and going with just liability is not for everyone, but on all my other vehicles I go to liability only after 6-7 years. I realize for half the year I could be looking at a major hit if something happens, but I was close to going to all year. The other half of the year it's not moving and usually stored inside with the NoCold turned off. Wish me luck.:B
This year I reduced the value to $100K but they want $1700 for less than half time use.:M I seriously considered going to liability only and take my chances but National will not write such a policy.
Foremost Insurance will write it and it's only $178 and full coverage would be $1400 but I'd be back at $5K diminishing deductible. Unlike National, Foremost will let me switch between full coverage and just liability. With full coverage only half the year it's going to cost $800/year. I can live with that BUT you may not want to.
If you have a mortgage you cannot drop the full coverage and going with just liability is not for everyone, but on all my other vehicles I go to liability only after 6-7 years. I realize for half the year I could be looking at a major hit if something happens, but I was close to going to all year. The other half of the year it's not moving and usually stored inside with the NoCold turned off. Wish me luck.:B
