Insurance On Your Personal Vehicle

Topic 30562 | Page 1

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Thomas D.'s Comment
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How do you ladies and gentlemen handle the insurance on your POV's? Does your carriers lower your premiums considering you may only drive it once every few weeks or longer?

Stevo Reno's Comment
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Dunno how others might handle that lol. Back when I had my '69 VW bus, '68 beetle, my '92 silverado x-tra cab and my honda shadow. I told them, I switch between all 4 vehicles. And usually it was just here around town, to work n back or to friends close by.

Back when I had only my truck,,,I never did over 7,000 miles a year, I don't run all over town, just wasting gas lol. I'm a point A- point B kinda guy

Being single, no kids around, NO 1 else, EVER, drives my stuff. Just had send em pics of odometer readings to get cut rates.

Surely telling em you're out of town X amount of weeks at a time, so less driving your personal vehicle.

Thomas D.'s Comment
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That's what I was wondering, as I'm probably within 60 days from starting schooling, and just getting my financial house in order before I leave. My wife has her truck and car, and my car will just be sitting while I'm on the road. Looks like a few more phone calls are in order.

Chief Brody's Comment
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State Farm lowers my monthly rate if I drive any vehicle under 7,500 miles per year

Thomas D.'s Comment
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I'm Nationwide, so I just need to call them and ask. It never hurt to ask, has it??

Truckin Along With Kearse's Comment
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Prime gives us a safety course that reduces mine 15%. Plus reduced miles lists it as a "pleasure vehicle" rather than daily

Thomas D.'s Comment
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Thanks for the info Kearsey!!

Now that you mention that, I never discussed that with my insurance carrier. When I started with NAPA in July of 2012 as a FNG delivery driver, I was required to take the Smith System Driving course. Might see if I can get my certificate to submit to them, or just wait till I start training and see what system my new company uses and submit that since it will be more recent.


Body mass index (BMI)

BMI is a formula that uses weight and height to estimate body fat. For most people, BMI provides a reasonable estimate of body fat. The BMI's biggest weakness is that it doesn't consider individual factors such as bone or muscle mass. BMI may:

  • Underestimate body fat for older adults or other people with low muscle mass
  • Overestimate body fat for people who are very muscular and physically fit

It's quite common, especially for men, to fall into the "overweight" category if you happen to be stronger than average. If you're pretty strong but in good shape then pay no attention.

PackRat's Comment
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Most carriers will have you go through the Smith course again during orientation. It's good for a year, but you can take it annually.

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