So, as you may have noticed, I buy a lot of crap.
Related, I also have a completely and utterly ridiculous insurance bill. There is simply no universe in which adding another shitbox makes it any more likely I'm going to have a liability accident. The incremental cost to add another vehicle at this point should be nothing but a few bucks to cover doing the paperwork.
I have 2 cars that are driven with any semblence of regularity, and only carry liability on the cars that aren't driven regularly because, well, most of them are either bad ideas that shouldn't be fixed, or the replacement cost is within 3 or 4x what a comprehensive payment would be anyway. When they aren't being driven, I own the property where they're stored, so they're covered by the homeowner's insurance liability should someone somehow be injured by a parked car. Collectively, I put a few kilomiles on the shitbox fleet a year. Last year, it was almost exactly zero miles because literally everything was broken all year.
So, starting with the assumption that I keep the Good Stuff That Gets Driven on a traditional insurance plan, what's out there? I looked at Hagerty - they don't insure EyeMWing level idiocy.
With the exception of the Ram, none of them have OBD2 ports, so the "pay per mile" companies are out (unless there's one that'll work from odometer photos or something) and I'm allergic to GPS trackers.
I'm not above either using one of the corporations I have access to or incorporating a holding company and selling all my shit to it, if commercial fleet insurance opens doors.
And, no, unfortunately a self-insurance bond is no longer an option in Maryland. Not that I could afford to do that.
Related, I also have a completely and utterly ridiculous insurance bill. There is simply no universe in which adding another shitbox makes it any more likely I'm going to have a liability accident. The incremental cost to add another vehicle at this point should be nothing but a few bucks to cover doing the paperwork.
I have 2 cars that are driven with any semblence of regularity, and only carry liability on the cars that aren't driven regularly because, well, most of them are either bad ideas that shouldn't be fixed, or the replacement cost is within 3 or 4x what a comprehensive payment would be anyway. When they aren't being driven, I own the property where they're stored, so they're covered by the homeowner's insurance liability should someone somehow be injured by a parked car. Collectively, I put a few kilomiles on the shitbox fleet a year. Last year, it was almost exactly zero miles because literally everything was broken all year.
So, starting with the assumption that I keep the Good Stuff That Gets Driven on a traditional insurance plan, what's out there? I looked at Hagerty - they don't insure EyeMWing level idiocy.
With the exception of the Ram, none of them have OBD2 ports, so the "pay per mile" companies are out (unless there's one that'll work from odometer photos or something) and I'm allergic to GPS trackers.
I'm not above either using one of the corporations I have access to or incorporating a holding company and selling all my shit to it, if commercial fleet insurance opens doors.
And, no, unfortunately a self-insurance bond is no longer an option in Maryland. Not that I could afford to do that.