Compression Ignition Addict
Join Date: Sep 2007
Location: Senatobia, MS
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I use Shelter for all of mine. We get top tier discounts because of the volume of insurance I carry. I have 5 vehicles, 2 boats, a house, other property, and a general liability umbrella policy for less than Erik pays for his truck insurance. He can get the same deal in about another 20 years with responsible behavior and structured planning.
Insurance is gambling. If you reduce your risk exposure, they reduce the premiums. Differing ZIP codes will have differing rates even when all else is the same. Miles driven per year is a big factor and it is somewhat offset by the number of accident free miles you have driven.
Pick a reputable company with a local agent you can count on and stick with them.
Ask to be rerated at least once a year or whenever circumstances change.
Lastly, be sure you understand your coverages. Nothing worse than somebody ripping off your aftermarket radio only to discover that they only cover factory installed accessories.