Car insurance for cruisers - SailNet Community

   Search Sailnet:

 forums  store  


Quick Menu
Forums           
Articles          
Galleries        
Chat  
Boat Reviews  
Classifieds     
Search SailNet 
Boat Search (new)

Shop the
SailNet Store
Anchor Locker
Boatbuilding & Repair
Charts
Clothing
Electrical
Electronics
Engine
Hatches and Portlights
Interior And Galley
Maintenance
Marine Electronics
Navigation
Other Items
Plumbing and Pumps
Rigging
Safety
Sailing Hardware
Trailer & Watersports
Clearance Items

Advertise Here






Go Back   SailNet Community > General Interest > General Discussion (sailing related)
 Not a Member? 


Reply
 
LinkBack Thread Tools
  #1  
Old 09-18-2012
Member
 
Join Date: Jan 2004
Posts: 66
Thanks: 10
Thanked 0 Times in 0 Posts
Rep Power: 12
inshallamiami is on a distinguished road
Car insurance for cruisers

We haven't owned a car, or had car insurance, since we threw off the dock lines in 1999. Lately we've been toying with the idea of buying a beater to tool around in while we are here in Florida. When I call insurance companies I get this " it's complicated" response.

Is it possible to get insurance after such a long lapse that is affordable? I am retired but license is current and clean.

Still have the bicycles but curious what other cruisers do.
Reply With Quote Quick reply to this message Share with Facebook
  #2  
Old 09-18-2012
Barquito's Avatar
Barquito
 
Join Date: Dec 2007
Location: Madison, WI
Posts: 2,109
Thanks: 0
Thanked 19 Times in 19 Posts
Rep Power: 8
Barquito is on a distinguished road
Re: Car insurance for cruisers

Looks like Florida just requires liability. Don't need to insure the value of a beater car.
__________________
Bristol 27
Cirque
Reply With Quote Quick reply to this message Share with Facebook
  #3  
Old 09-18-2012
eherlihy's Avatar
Learning the HARD way...
 
Join Date: Jan 2007
Location: Boston / Ft Myers Area
Posts: 3,702
Thanks: 130
Thanked 77 Times in 75 Posts
Rep Power: 9
eherlihy will become famous soon enough
Re: Car insurance for cruisers

A related problem is that most car rental agencies assume that you have insurance on your car. If you don't, they will charge you a higher rate.
__________________

To view links or images in signatures your post count must be 10 or greater. You currently have 0 posts.

USCG Licensed OUPV Captain, ASA 101/103/104/105 Certified Instructor - Also certified in Recreational Marine Electrical Systems
Reply With Quote Quick reply to this message Share with Facebook
  #4  
Old 09-18-2012
Senior Member
 
Join Date: May 2007
Location: Toronto, Canada
Posts: 314
Thanks: 0
Thanked 18 Times in 18 Posts
Rep Power: 8
SVTatia is on a distinguished road
Re: Car insurance for cruisers

I had the same problem. After 5 years absence I really had to work hard to find a company interested in me.
You just have to shop around to find the rate that suits you. Thing is, after 6 months I was back into the dreaded system that I so was so happy to leave
Reply With Quote Quick reply to this message Share with Facebook
  #5  
Old 09-18-2012
Cruisingdad's Avatar
Best Looking MALE Mod
 
Join Date: Jul 2006
Location: Washington State
Posts: 9,905
Thanks: 3
Thanked 118 Times in 54 Posts
Rep Power: 10
Cruisingdad is a jewel in the rough Cruisingdad is a jewel in the rough Cruisingdad is a jewel in the rough
Re: Car insurance for cruisers

We got rid of one of ours and are on the last one (paid off even). It is a truck which is great because it is like a mobile storage unit. However, we will likely sell it soon. The reason is that as we move, we have to move the truck to. The marinas wont let us just leave our truck laying there - understandably. Also, our rates (no wrecks or tickets) is roughly $960/year insurance. We listed our friends address in Fort Myers beach versus Tampa (since that is our next stop and as close to a home base as we have). Tampa was nearly 50% more!!! THat is for a paid off 2007 Ford F150 worth maybe 20,000. Most of that cost is liability, incidentally.

What you can do is list the address of your marna where you are for the insurance policy. We used State Farm. If you have a homebase somewhere else, try listing that instead to see if it is cheaper. But I warn you, the car is great while you are stationary but a real PITA when you move. You have to rent a car just to move your car... so you're not getting out of renting no matter what you do.

What almost everyone here does is rents a car from Enterprise every other weekend or so. Its realtively cheap and they will typically pick you up and drop you off. Mileage doesn't matter and you should be able to take out their insurance (which is about $17/day IIRC... high). Still the total costs will likely be a lot less than what you have invested in a beater car and monthly insurance. Plus, you still have to sell that car AND you gotta move her everytime you move and rent a car to do so.

Last summer I was in the keys for several months and all I used was Enterprise (as described above). If you get to know the manager, they often swing you some deals. I think I paid like $4xx/month. Sometimes it was $20/weekend. Avoid the airports as they dont work with you, dont get to know you, and have lots of high taxes and crap they throw on.

Just some thoughts. Hope that helps.

Brian
__________________
Sailnet Moderator



1987 Tayana Vancouver 42, Credendo Vides, (Mom and Pops boat, F/T Mobile Live Aboards in Puget Sound)

My Website:
To view links or images in signatures your post count must be 10 or greater. You currently have 0 posts.


Follow My Blog at:
To view links or images in signatures your post count must be 10 or greater. You currently have 0 posts.


Follow me on Facebook:

To view links or images in signatures your post count must be 10 or greater. You currently have 0 posts.
Reply With Quote Quick reply to this message Share with Facebook
  #6  
Old 09-18-2012
Member
 
Join Date: Jan 2004
Posts: 66
Thanks: 10
Thanked 0 Times in 0 Posts
Rep Power: 12
inshallamiami is on a distinguished road
Re: Car insurance for cruisers

Well I'm glad to see its doable, I haven't bought anything yet, I will call up a bunch of insurance companies using a hypothetical car to try to get an idea of how much, I mean, are we talking thousands or hundreds for fl liability only?

Not really sure if I want to go down this road tho.....feels like I'm giving in , or up, even if it is just for a few months while I increase the kitty.

And the rental thing won't work...no credit cards, only debit (my, I AM outside of the mainstream) which precludes renting for the most part.

Last edited by inshallamiami; 09-18-2012 at 04:20 PM. Reason: Idea not ida
Reply With Quote Quick reply to this message Share with Facebook
  #7  
Old 09-18-2012
Cruisingdad's Avatar
Best Looking MALE Mod
 
Join Date: Jul 2006
Location: Washington State
Posts: 9,905
Thanks: 3
Thanked 118 Times in 54 Posts
Rep Power: 10
Cruisingdad is a jewel in the rough Cruisingdad is a jewel in the rough Cruisingdad is a jewel in the rough
Re: Car insurance for cruisers

Quote:
Originally Posted by inshallamiami View Post
Well I'm glad to see its doable, I haven't bought anything yet, I will call up a bunch of insurance companies using a hypothetical car to try to get an idea of how much, I mean, are we talking thousands or hundreds for fl liability only?

Not really sure if I want to go down this road tho.....feels like I'm giving in , or up, even if it is just for a few months while I increase the kitty.

And the rental thing won't work...no credit cards, only debit (my, I AM outside of the mainstream) which precludes renting for the most part.
Actually, I think the car rental companies are taking debit cards now. They charge an extra $200 or something onto your card and release it after the rental. I think that is how it works. I have not done it that way.

Brian
__________________
Sailnet Moderator



1987 Tayana Vancouver 42, Credendo Vides, (Mom and Pops boat, F/T Mobile Live Aboards in Puget Sound)

My Website:
To view links or images in signatures your post count must be 10 or greater. You currently have 0 posts.


Follow My Blog at:
To view links or images in signatures your post count must be 10 or greater. You currently have 0 posts.


Follow me on Facebook:

To view links or images in signatures your post count must be 10 or greater. You currently have 0 posts.
Reply With Quote Quick reply to this message Share with Facebook
  #8  
Old 09-18-2012
hellosailor's Avatar
Senior Member
 
Join Date: Apr 2006
Posts: 10,963
Thanks: 3
Thanked 107 Times in 104 Posts
Rep Power: 10
hellosailor has a spectacular aura about hellosailor has a spectacular aura about
Re: Car insurance for cruisers

Very few auto insurers will issue what you want, which is called a "liability only" policy, to new customers. All insurers treat existing customers differently from newcomers, and since "liability only" with no car is an unusual request, most would rather not write it.

You might try asking a broker on this, rather than directly. Could be that if you buy a beater and simply don't get collision/comprehensive insurance on it, you'll get a better deal on the liability coverage. If you have insurance on your boat--speak to those folks, they might not be so upset at the concept.
Reply With Quote Quick reply to this message Share with Facebook
  #9  
Old 09-20-2012
Junior Member
 
Join Date: Sep 2012
Posts: 13
Thanks: 0
Thanked 0 Times in 0 Posts
Rep Power: 0
snaxbox is on a distinguished road
Re: Car insurance for cruisers

I agree to the above posts. It's hard to insure a car based on your situation. Might as well just rent one since you prefer to sail than travel on land but try shopping around if you have time. You might find a company who would be willing to offer you their insurance plan if they have considering your situation. Good luck.

Last edited by snaxbox; 09-20-2012 at 11:43 AM.
Reply With Quote Quick reply to this message Share with Facebook
  #10  
Old 10-03-2012
Junior Member
 
Join Date: Oct 2012
Posts: 11
Thanks: 0
Thanked 0 Times in 0 Posts
Rep Power: 0
codysalvick is on a distinguished road
Re: Car insurance for cruisers

You could contact The Hartford for auto insurance quotes. We’ve been with them for about 10 years now and I have no complaints about their service or rates. Also, if you’re over 50, you could go through the AARP and get further discounts. Worth looking into, in my opinion. Good luck!
Reply With Quote Quick reply to this message Share with Facebook
Reply

Quick Reply
Message:
Options

By choosing to post the reply above you agree to the rules you agreed to when joining Sailnet.
Click Here to view those rules.

Register Now

In order to be able to post messages on the SailNet Community forums, you must first register.
Please enter your desired user name, your email address and other required details in the form below.
Please note: After entering 3 characters a list of Usernames already in use will appear and the list will disappear once a valid Username is entered.
User Name:
Password
Please enter a password for your user account. Note that passwords are case-sensitive.
Password:
Confirm Password:
Email Address
Please enter a valid email address for yourself.
Email Address:

Log-in

Human Verification

In order to verify that you are a human and not a spam bot, please enter the answer into the following box below based on the instructions contained in the graphic.




Currently Active Users Viewing This Thread: 1 (0 members and 1 guests)
 
Thread Tools

 
Posting Rules
You may post new threads
You may post replies
You may post attachments
You may edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is On


Similar Threads
Thread Thread Starter Forum Replies Last Post
help for old cruisers madoc General Discussion (sailing related) 5 07-27-2011 08:45 PM
Cruisers Net kwaltersmi General Discussion (sailing related) 1 12-13-2007 03:40 PM
Health / Medical Insurance for Cruisers SuzySailor Cruising & Liveaboard Forum 43 11-24-2007 05:15 PM
Insurance for Cruisers Sue & Larry Cruising Articles 0 09-22-2002 09:00 PM
Looking at 35-38'' cruisers jgoldshlag Boat Review and Purchase Forum 11 02-15-2002 05:16 PM


All times are GMT -4. The time now is 10:37 AM.

Add to My Yahoo!         
Powered by vBulletin® Version 3.8.7
Copyright ©2000 - 2015, vBulletin Solutions, Inc.
SEO by vBSEO 3.6.1
(c) Marine.com LLC 2000-2012

The SailNet.com store is owned and operated by a company independent of the SailNet.com forum. You are now leaving the SailNet forum. Click OK to continue or Cancel to return to the SailNet forum.