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Posted: 9/1/2015 1:12:16 PM EDT
too lazy to call my agent and ask so i thought the wisdom of arfcom would know.   So when one buy liability only on a vehicle, does the type of vehicle matter seeing that they don't cover to fix it anyways?
Link Posted: 9/1/2015 1:13:05 PM EDT
Originally Posted By Wash-Ar15:
too lazy to call my agent and ask so i thought the wisdom of arfcom would know.   So when one buy liability only on a vehicle, does the type of vehicle matter seeing that they don't cover to fix it anyways?
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Yes
Link Posted: 9/1/2015 1:13:44 PM EDT
No. Liability is to cover damage you cause to others. That's it.
Link Posted: 9/1/2015 1:15:12 PM EDT
[Last Edit: 9/1/2015 1:15:59 PM EDT by maggiethecat]
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Originally Posted By AnticitizenOne:
No. Liability is to cover damage you cause to others. That's it.
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wrong. the 1989 dodge mega truck weighing 9000 lbs can do more damge than the civic hatchback that weighs 2500.

simple physics. and business.
Link Posted: 9/1/2015 1:17:45 PM EDT

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Originally Posted By AnticitizenOne:


No. Liability is to cover damage you cause to others. That's it.
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Wrong. FPNI. Costs of liability coverage will vary based on the car you drive.  Drive a Corvette and you will pay more for liability coverag than if you drive a Sentra. J

 
Link Posted: 9/1/2015 1:19:14 PM EDT
It's rated based on all  the following:

Location
Age of driver
gender
marital status
usage
driving history
vehicle type.....


even if only liability.....
Link Posted: 9/1/2015 1:24:22 PM EDT

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Originally Posted By JAR0023:



Wrong. FPNI. Costs of liability coverage will vary based on the car you drive.  Drive a Corvette and you will pay more for liability coverag than if you drive a Sentra. J  
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Originally Posted By JAR0023:



Originally Posted By AnticitizenOne:

No. Liability is to cover damage you cause to others. That's it.
Wrong. FPNI. Costs of liability coverage will vary based on the car you drive.  Drive a Corvette and you will pay more for liability coverag than if you drive a Sentra. J  
My F- 250 4x4, F350 dually and Contour are within a dollar of one another. Was just going off my rates.

 
Link Posted: 9/1/2015 1:34:49 PM EDT
I just asked my daughter. She's a licensed insurance agent in TX.  

If ALL other factors are the same, only different vehicle, then YES, the premium will be different.  Even given the same model year, different price.
Link Posted: 9/1/2015 1:34:57 PM EDT
Why only buy liability?
Link Posted: 9/1/2015 1:35:22 PM EDT
Yes
as does credit, loss history, etc
Link Posted: 9/1/2015 1:37:57 PM EDT
almost all of it is covered
but I will add this

the difference will not be very much for just liability a few dollars difference maybe
full coverage would be a much bigger difference
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