Okay, here we go. I know some of you may have been prisoner to my FaceBook rant about auto insurance and I am sorry for you contant message updates as the point was debated. I do not claim to be a smart man and dont have all the answers for sure. I do however have a weekness for old four wheeldrives in need of a good home and some TLC, and because of this I have accumilated quite a collection. I love them all dearly and for that I know my sanity is in question to start with. The problem comes in when I have to insure all the vehicles in order to drive them. This financial problem has raised a question in my........uh.....wallet. Why do we insure all the vehicles in our drive way when we are only able to drive one at a time, while the others are safely tucked away at home. When we apply for auto insurance they what to see our drivers licence, our driving record and for some reason (another rant all together) our credit history. If they are insuring the driver, why must we pay a premium on every vehicle. I understand that with safety ratings some vehicles will be less costly than others, in that case we could work out an average, of all the vehicles and pay a monthly average.
For example, if you owned 2 cars and the monthly premium would be $30, and $60, then your monthly premium would be $45 a month for the vehicles that you own.
I understand the amount of money that insurance companies spend on lobbying in Washington so insurance reform will never happen, but it would be a fair system for the vehicles you own and drive. I also understand the system would need tweeking, maybe a minimal monthy charge for vehicles that maybe damaged in hail storms at home that your not driving at the moment. Just something to think about that would help blue collar purse strings.
