I think this varies depending on what state you are in. Here, in
highly-overcast coastal San Diego county, CA, the rate is determined by
the highest-value car you have on your policy, regardless of what you
declare as your primary vehicle; and by the most expensive person to
cover. In our case, it's our 94 Volvo 850 + the 16 y/o daughter. To
lower the rate, we'd either have to lose the Volvo or the daughter. Or
both. Can't decide.

--
Mike "Rocket J Squirrel" Elliott
71 Type 2: the Wonderbus
84 Westfalia: Mellow Yellow ("The Electrical Banana")
74 Utility Trailer. Ladybug Trailer, Inc., San Juan Capistrano
KG6RCR

PB typed:
> I've learned that the price you pay depends on the car that you declare as
> the primary vehicle.  I declared my 1987 Dodge van as my primary, and only
> have it on liability.  My '02 Jeep Liberty has a lower rate schedule as a
> secondary vehicle.  If I were to declare the Jeep  as the primary, the cost
> would have been higher.
>
> I know this because I asked the agent to give me 2 quote comparisons based
> on each car being the primary vehicle.  The agent complied with my request.
> I then declared the lower cost car as the primary.  I have to pay $101
> until
> the end of my term, July 18, for full coverage on the Westy.
>
> I also learned from asking the agent that I can get a ding repaired just
> for
> my deductible with no increase in my premium, as long as the company
> doesn't
> have to pay more than $1,000.  That means the ding repair can actually cost
> $1,300, since my deductible is $300.
>
> I also asked questions to find out their cut-off points on the yearly
> mileage.  In my company, the rate is higher if you drive the vehicle more
> than 6,000 miles yearly.  Their lowest cutoff point is 6,000 miles.  Other
> companies have different cutoff points.  So I declared all of my
> vehicles as
> 6,000 miles.  I actually drive them much less, and anyway, for me, I might
> drive 18,000 miles over a 2 year period, so it's accurate to divide the
> mileage between each.  If I told them I drove any of my cars over 6,000
> miles, the rate for it would be higher.
> Patti
> *********************************
> On 5/21/07, mad madeline <mac10wv@yahoo.com> wrote:
>>
>> If you have a teenage driver, have them assigned as the driver of your
>> Vanagon, then check to see that they are covered no matter which car they
>> drive.  My insurance agent figured this out and has my 17 year old as the
>> driver of the Westie.  The yearly rate for her fell from 1100 to 785
>> and the
>> rest of the policy didn't change because she is now on the extra car that
>> was a minimal cost anyway.
>>
>>
>> ---------------------------------
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>