Hmmm... there is no short answer to this one, so pull up the popcorn, grab a drink and your readers and read away!
We have a farm, on which I have many horses, potbellied pigs, goats, chickens, farm dogs, cats- it's been a fun place to live and work and raise kids. Because of the animals, the acreage, the equipment, we have a farm policy.
We also have multiple vehicles- The Landcruiser was our family car and also pulled my stock trailer, the hay wagon, and took us fishing out in Wyoming, Montana, Colorado, Utah, and North Carolina and Maine. My F350 that pulls my 4 horse gooseneck with full LQ - which when all rigged up is 53' long. When I'm not playing Mom and farmer, I'm involved with Technical Large Animal Emergency Rescue, which is part of Emergency Management and Homeland Security- Gotta have my 4wds that haul stuff... anywhere!
My MINI Clubman S, which was my "mom mobile" as I was putting 160 miles a day on the LC getting kids to/from schools, my MB300TD, which I purchased originally as the "Mom Mobile" but then McD's wouldn't give/sell me grease so I never converted it, and then it started leaving me places (which when you have 7 & 8 yr olds and a dog, doesn't make me happy); a MINI Convertible S (that was my "kids can drive" present to myself)- and I didn't give up the Clubbie because it was the only vehicle our 7 year old Great Pyr/Akbash (160#s of large dog) can get into, and ... my grandmother's 1968 MB 280SL which she bought new.
My husband has a 2006 Lexus GX 470 (the Prado) which he bought used a couple of years ago, and does his business travel in- I can't stand it, too many buttons, doodads and it rides horribly unless I tighten up the suspension and then the mileage drops!
We also have two tractors, golf carts, farm 4 wheelers, 5 trailers (maybe 6) of different ilks. I can get 6 square bales in and on a MINI Cooper Clubman S (and regularly "4 wheel" in it out in the pasture- that front wheel drive rocks).
We have farm fleet insurance on all the things with wheels other than bicycles. Or we HAD fleet insurance on all the cars until the kids got their drivers' licenses (about a year ago)- and our fleet insurance won't cover anyone under 19... By this time, I'd pulled the 280 off and onto an antique policy, the 300 was giving us fits and wasn't being reliable (we fired the mechanic and have started with another one), and the least expensive vehicle to insure for the kids was the Landcruiser... but that was supposed to be temporary, AND with a $500 deductible it alone was more expensive than fleet insurance. $1k didn't do much to drop that premium, but $2k dropped it a lot more.
My general rule of thumb is that I'm not going to claim anything under $5k anyway (parts are expensive- it adds up quickly) and I have only been in accidents (myself) that were caused by other people, in which case we were able to get our deductible back. My son is a very careful driver (we call him "Granny" as he didn't inherit his mother's lead foot, his sister did!).
So that's the story of our insurance woes.
Oh- and our new mechanic just earned his stripes- called to tell us the 300TD's tank was out, had been pressure washed and dried and still didn't look clean, so he put a brush in it and it came back rusty- so he took the inline fuel filter out and cut it open- and it was FILLED with rust- He got costs on a new tank and refurb the one we have (sand blast then put some sort of sealant on it)- the latter came with a lifetime warranty, as well as being over 1/2 the cost of a new one.
And with that, my tale is told! Ciao Spike!
Why is your insurance deductible so high? I know is reduces your premium but it cant reduce it by that much can it?
If I raise mine from $500 to $1000 I save a whopping $50/yr.
I save more money by not having roadside assistance and multi policies.