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Is this true?

There is a total of 5 vehicles in my household along with 4 drivers. There is 4 full coverage vehicles on one ins. policy, but we tried getting a separate insurance policy for the 5th vehicle(an old car) with just liability only. She told us we could not have 2 separate auto ins. policies in the same household and that we would have to add the 5th vehicle to the one policy we already have.
I’m in the state of Texas by the way…

4 Thoughts on My insurance rep said I could not have 2 auto insurance policies per household?
  1. Reply
    August 10, 2011 at 4:00 am

    There’s no reason for it, it’s just company policy…

    Talk to your agent again. Even if it’s on the same policy, you should be able to have the fifth vehicle covered with liability only. If she can’t figure out how to do it, then maybe it’s time to go shopping for a new insurance agent.

  2. Reply
    August 10, 2011 at 4:21 am

    It’s called “They own the business and can set whatever rules they like”

    If you don’t like their polices, you can switch to a company you are happier with.

  3. Reply
    August 10, 2011 at 4:56 am

    You should be able to have one policy only that lists all 5 autos.

    You would get a declaration page that will list each auto on that page. By each auto, it will show the make/model and the coverage for that auto. Since 4 of them would have full coverage, it will show both collision and comprehensive on it also. But for the 5th with liability only, it would show only liability coverage only.

    That is what the insurance agent is most likely talking about. You have 1 policy for 4 drivers, 5 cars and 4 with full coverage and 1 with liability only. It’s also cheaper to have multiple cars on one policy vs having 2 separate policies.

    hope that makes sense.

    good luck

  4. Reply
    August 10, 2011 at 5:24 am

    yes she is correct. it would be very complicated for YOU if thier was an accident. its ok, go with the flow

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