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Old 05-14-2018, 08:54 PM   #11
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The thing about insurance at least for our older cars is it's not so much about covering damage to your vehicle as much as cover repairs to injuries to other vehicles and people if your at fault in an accident. Just imagine paying for damages on any new vehicle now days if your involved in an accident.

Like has been said, strip your insurance coverage down as low as you can. I've got nothing on my car anymore as far as collision and comprehension and have it down as pleasure (because that's what it is lol). Also have it down as a Farm Vehicle which really dropped it a lot but I had a buy a half million dollar farm to do that so it might not be practical for you.

Like you, I figure I can do any required repairs myself for cheaper and I really don't want my insurance getting hold of my car and totaling it for some minor fender bender.
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Old 05-14-2018, 10:11 PM   #12
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You can always part out for the parts if you have regular insurance. You can also check out the antique and classic insurance companies Like Hagerty,Grundy, ETC. Yes there are rules for having those types of insurance but its way cheaper.
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Old 05-16-2018, 04:37 PM   #13
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Have you tried getting quotes from any of the online car insurance companies?

E-Insurance?
GEICO?
General Car Insurance?


Plus, with Michigan "NO-Fault"; it all depends on your zip code and if the address you are using is a house or an apartment too.

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Unless you're a veteran, I would recommend USAA....
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Old 05-17-2018, 04:35 PM   #14
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^^^^^ Like he tried to say: If you are a veteran, USAA is the way to go.


If you own a home or have renter's insurance, see if you can bundle your home / rental & auto insurance. We saved almost $300 per six months.


We carry $50 comprehensive on all of the vehicles. $50 is pretty cheap to purchase and if you have a smashed windshield, hit a deer or other critter, hail storm or fire it is totally worth the extra pennies.


Just my experience and $.02.
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Old 05-18-2018, 11:36 AM   #15
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Sorry for the late reply. Im not a veteran.
I gave in and changed my policy to the state minimum. I got a quote for insuring both my vehicles at the same time and while it did bring down the price to insure the individual vehicles about 30% or so, it ended up being more, and I'd be insuring a vehicle that won't be driven until November.

With the homeowners/ renters insurance I didn't check because I have a "different than most" situation and I'm not sure how it would work out. I'm technically only 1% owner and technically I'm not renting. Type of " rent to own/ land contract" situation with my parents. Nothing is written down and I'm 1% owner so I can pull my own permits for renovations.
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Old 05-18-2018, 11:39 AM   #16
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I'm getting married in a couple months and maybe the misses can get me better rates. Her record is better and we could insure more stuff together and get the multi vehicle discount.
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Old 05-25-2018, 02:20 AM   #17
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3 things that play a big role on cheaper insurance.
•being married
•having a good credit score
•having no tickets or accidents
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Old 05-25-2018, 11:49 PM   #18
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X2 This. ^^^^^^^^^
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