My insurance dropped twice this year. First, when it came up for renewal in March, the annual premium came out to $1395. Last year, it had been $1464. The biggest change was that last November, my primary car, a 2000 Intrepid, got totaled. I replaced it with a low-mileage 2000 Park Ave. Full coverage on both cars. The Buick is worth more, and supercharged...it would blow the doors off my old Intrepid. But, I guess on average, the typical Buick driver doesn't rack up much in the way of claims, so maybe that's why it went down? Never mind that it's still me, the same old driver. I figure I can do as much damage, if not more, with a Supercharged Park Ave than I could a stripper Intrepid But, I won't argue the point with them!
Then, about two months later, I got a phone call from them. They wanted to know why I had so many cars on my policy. In addition to the Buick I have an old pickup and two Chrysler New Yorkers. I just told the guy that the truck was my deceased Granddad's (the truth), and doesn't get driven much (again, the truth), and that I just happen to like big old battleship cars, so the Chryslers are sort of toys to me. But they're too low-value to put on a "real" antique car policy, which usually has a $4,000 minimum value.
Well, the guy let me put the two Chryslers on some sort of limited use policy, and I got a refund check for $111.
So, with luck, next year, my insurance premium should be around $1250 or so? It might actually go down more, since I'll be in the 40+ age bracket come renewal time. I'm actually there now, but my policy renews like 15 days before my birthday, so I was still technically in the 35-39 bracket the last time I renewed.