Insurance Company that lets you pick all cars as liesure?
07-05-08, 03:56 PM
#1
That gives him a hobby
Thread Starter
Join Date: Jun 2008
Location: Big D
Posts: 226
Bikes: 1992 Raliegh Heat and 2008 Bianchi Volpe
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
Likes: 0
Liked 0 Times
in
0 Posts
Insurance Company that lets you pick all cars as liesure?
So is there an Insurance Company out there that allows all your cars to be leisure? I commute so much now, that I put 2/3rds more miles on my bicycle than my car...
07-05-08, 09:06 PM
#2
Life is good
Join Date: Jan 2001
Location: Not far from the Withlacoochee Trail. 🚴🏻
Posts: 18,209
Bikes: 2018 Lynskey Helix Pro
Mentioned: 13 Post(s)
Tagged: 0 Thread(s)
Quoted: 522 Post(s)
Likes: 0
Liked 10 Times
in
10 Posts
I'm listed as a leisure driver on my auto insurance.
Just tell them you only drive occasionally and that should take care of the problem.
Just tell them you only drive occasionally and that should take care of the problem.
__________________
The Lord is merciful and gracious, slow to anger and abounding in steadfast love. - Psalm 103:8
I am a cyclist. I am not the fastest or the fittest. But I will get to where I'm going with a smile on my face.
The Lord is merciful and gracious, slow to anger and abounding in steadfast love. - Psalm 103:8
I am a cyclist. I am not the fastest or the fittest. But I will get to where I'm going with a smile on my face.
07-05-08, 09:16 PM
#3
B-b-b-b-b-b-bicicle Rider
Join Date: Apr 2005
Location: Racine WI
Posts: 749
Bikes: 1997, stumpjumper S-works hardtail, Medici, Giant Perigee(track dropouts and fixed gear), Columbia twosome, schwinn twinn, '67 raleigh 5 speed internal hub, Old triumph 3 speed, old BSA 3-speed, schwinn Racer 2spd kickback, Broken raysport criteriu
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 1 Post(s)
Liked 5 Times
in
3 Posts
tell whatever company you decide to go with that you are an "ultra low mileage" driver, that should reduce your premium quite a bit.
07-05-08, 09:38 PM
#5
Senior Member
Join Date: Jul 2005
Location: Vancouver, WA, USA
Posts: 1,020
Bikes: Surly Crosscheck, Surly Pacer
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
Likes: 0
Liked 0 Times
in
0 Posts
07-06-08, 03:58 AM
#6
Senior Member
Join Date: Jan 2008
Location: Eugene, OR
Posts: 522
Bikes: Lots
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 1 Post(s)
Likes: 0
Liked 0 Times
in
0 Posts
Not really the same thing, but I had my bike was insured (i think under home owners, Im on my parents, collage kid) but I kindof did something stupid last Thanks Giving, & kindof crashed my bike, Insurance Company payed for the damage to my bike, witch i kept to just get a new bike, & Im selling the old bike as is, only bad thing is Broken hand,
07-06-08, 09:08 AM
#8
That gives him a hobby
Thread Starter
Join Date: Jun 2008
Location: Big D
Posts: 226
Bikes: 1992 Raliegh Heat and 2008 Bianchi Volpe
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
Likes: 0
Liked 0 Times
in
0 Posts
Names folks, names. Nationwide doesn't currently offer this, at least according to my agent...
07-06-08, 09:12 AM
#9
DNPAIMFB
Join Date: Aug 2005
Location: Cowtown, AB
Posts: 4,655
Bikes: Titus El Guapo, Misfit diSSent, Cervelo Soloist Carbon, Wabi Lightning, et al.
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 1 Post(s)
Likes: 0
Liked 0 Times
in
0 Posts
Meloche Monex, but they might be Canada-only.
07-06-08, 10:33 AM
#11
Newbie
Join Date: Jul 2008
Posts: 3
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
Likes: 0
Liked 0 Times
in
0 Posts
I've been all leisure in two states with Liberty Mutual. Worked from home in Ohio; and now walking, and soon bike riding to work in Minnesota.
BillWinMPLS
BillWinMPLS
07-06-08, 10:50 AM
#12
Senior Member
Join Date: Jul 2006
Location: Columbus, OH
Posts: 11,375
Bikes: '08 Surly Cross-Check, 2011 Redline Conquest Pro, 2012 Spesh FSR Comp EVO, 2015 Trek Domane 6.2 disc
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 5 Post(s)
Likes: 0
Liked 7 Times
in
6 Posts
+1 for Liberty Mutual. I've been with them since I started driving (19 years ago) and I've got my only car registered as a leisure vehicle. Under 2000 miles/year is the requirement according to my agent.
07-06-08, 12:01 PM
#13
Can't Re Member
Join Date: May 2008
Location: Wooster OH
Posts: 364
Bikes: 2009 Randonee, 2014 Bike Friday NWT
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
Liked 0 Times
in
0 Posts
Probably by giving you a seriously hard time with coverage if you have an accident while driving the car to or from work, or with a zillion miles on it since last application update.
07-06-08, 07:10 PM
#14
Señior Member
Join Date: Sep 2005
Location: Michigan
Posts: 13,749
Bikes: Windsor Fens, Giant Seek 0 (2014, Alfine 8 + discs)
Mentioned: 13 Post(s)
Tagged: 0 Thread(s)
Quoted: 446 Post(s)
Likes: 0
Liked 8 Times
in
7 Posts
That depends. My car is already only liability insurance, and we have 3 cars and our homeowner's insurance and every discount in existance. Moving from 14k per year to 3k leisure status only saved me about $75 a year, and we do shop around.
__________________
Work: the 8 hours that separates bike rides.
Work: the 8 hours that separates bike rides.
07-06-08, 07:44 PM
#15
Senior Member
Join Date: Sep 2005
Posts: 4,697
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 6 Post(s)
Likes: 0
Liked 10 Times
in
9 Posts
My town is small enough I still pay all but my cel phone bills in person.
07-06-08, 08:25 PM
#16
Senior Member
Join Date: Dec 2005
Location: Reisterstown, MD
Posts: 3,249
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 19 Post(s)
Likes: 0
Liked 0 Times
in
0 Posts
So they take your mileage when you sign up. Then X months later you have an accident. Not hard to calculate what your mileage better be under or else you get nailed.
-D
07-07-08, 05:48 PM
#18
Member
Join Date: Jan 2008
Posts: 34
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
Likes: 0
Liked 0 Times
in
0 Posts
State Farm. I have a company vehicle for commuting. And all my personal cars are insured for low mileage. They, State Farm, send me a odometer affidavid every year or so. I also suspend the coverage on them from time to time. Wish I could bike commute, but the job doesn't allow it and unfortunately would be impractical. This is the only job where I have commuted by car.
07-07-08, 06:33 PM
#19
Needing more power Scotty
Join Date: Jul 2006
Location: Northern New England (USA)
Posts: 588
Bikes: 2006 Trek T-80 (commuter) 1982 Bianchi SS (classic 12 speed)
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
Likes: 0
Liked 0 Times
in
0 Posts
Progressive has a new program in the USA coming out that has been tested in a couple of markets. It's called Pay As You Drive.
They hook up a sensor to your OBD-II port. They collect data such as miles driven, how hard you hit your brakes, and average speed.
For a casual driver this could save you a significant amount.
They hook up a sensor to your OBD-II port. They collect data such as miles driven, how hard you hit your brakes, and average speed.
For a casual driver this could save you a significant amount.
07-08-08, 01:39 AM
#20
Senior Member
Join Date: Jun 2008
Posts: 170
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
Likes: 0
Liked 0 Times
in
0 Posts
Progressive has a new program in the USA coming out that has been tested in a couple of markets. It's called Pay As You Drive.
They hook up a sensor to your OBD-II port. They collect data such as miles driven, how hard you hit your brakes, and average speed.
For a casual driver this could save you a significant amount.
They hook up a sensor to your OBD-II port. They collect data such as miles driven, how hard you hit your brakes, and average speed.
For a casual driver this could save you a significant amount.
Anyway...I told geico I was going to stop driving..."so you're going to be driving around 1000 miles per year?" "Yea...sure..." Ended up dropping my premium ~30 bucks a month!
07-08-08, 06:50 AM
#21
Señior Member
Join Date: Sep 2005
Location: Michigan
Posts: 13,749
Bikes: Windsor Fens, Giant Seek 0 (2014, Alfine 8 + discs)
Mentioned: 13 Post(s)
Tagged: 0 Thread(s)
Quoted: 446 Post(s)
Likes: 0
Liked 8 Times
in
7 Posts
No kidding. I haven't noticed any difference, almost all drivers are bad. The only driver at work that I won't ride with anymore for fear of my life is a woman.
__________________
Work: the 8 hours that separates bike rides.
Work: the 8 hours that separates bike rides.
07-08-08, 07:32 AM
#22
Senior Member
Join Date: Oct 2007
Location: Washington DC Area
Posts: 195
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
Likes: 0
Liked 0 Times
in
0 Posts
I have AIG and have both cars picked as leisure or lowest mileage possible or something like that. AIG has five letter codes that reflect characteristics about the insured, for example, age and sex of main drivers, number of traffic violations and accidents in certain time periods, etc. One of the characteristics is number of miles driven per year or something to that extent and based on our low mileage (27K over 4 years for one car and 56K over 9 years for the other) we fall in the best category/rate for this characteristic.
07-08-08, 03:46 PM
#23
Senior Member
Join Date: Jun 2008
Posts: 170
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
Likes: 0
Liked 0 Times
in
0 Posts
Werd. The only times I can ever remember being legitimately horrified in a car were all with girls at the wheel yet they pay far less in ins than I do? That never made any sense to me. Maybe this will change that some.
07-08-08, 04:06 PM
#24
peaced out
Join Date: May 2008
Posts: 669
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 2 Post(s)
Likes: 0
Liked 0 Times
in
0 Posts
Progressive has a new program in the USA coming out that has been tested in a couple of markets. It's called Pay As You Drive.
They hook up a sensor to your OBD-II port. They collect data such as miles driven, how hard you hit your brakes, and average speed.
For a casual driver this could save you a significant amount.
They hook up a sensor to your OBD-II port. They collect data such as miles driven, how hard you hit your brakes, and average speed.
For a casual driver this could save you a significant amount.
I'm sure it wont be long until they'll forward that data to the police and have them mail you a ticket everytime you go 10 over the limit.
07-08-08, 04:18 PM
#25
Senior Member
Join Date: Jun 2008
Posts: 170
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
Likes: 0
Liked 0 Times
in
0 Posts
I'd be surprised if anything ever got that far. Amongst many other problems it'd cause, it'd be a hacker's/tinkerer's DREAM to get that crap off their cars as soon as possible...lol
