Have you ever wondered why you have to buy liability insurance for each car you own? After all, it's the driver that is responsible for causing an accident, not the car. Plus, you can only drive one car at a time. Wouldn't it make more sense to insure the driver? Well, in the state of Washington, you can do that.
I only had one car because I couldn't afford to insure more than one. I got a great deal on a van and decided to see what insurance options are available. Turns out there is something they refer to as "broad form" insurance. It only costs a little more than what I was paying for a single vehicle and now I am insured for every car I drive, even if it's not mine.
Don't expect any insurance guys to offer this as an option. You need to ask for it specifically. I ended up switching insurance agents because my guy kept dancing around and side-stepping my inquiries even though he said his company did offer it.
The only downside I can see is that it may encourage my old junk car junkie habits and I'll end up with a fleet of beaters. Oh well, that sounds like a problem for my neighbors to deal with.
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