QUOTE(thelogo @ Aug 24 2017, 09:22 AM)

Sorry but letting some jackass insurance agent tell you when and where you can drive your car is a really puss move .
QUOTE(thelogo @ Aug 24 2017, 04:07 PM)

Grundy guys !
I drive where when and how often i want
Same deal as jim grundy himself
Why be some insurance agents bitch.
Gee, It doesn't take me long to see who the problem child is.
How about you call Grundy and tell them what you just told the list then see how fast they cancel your policy. If you are operating outside of the insurance plans rules _that you agreed to _ , at minimum you are not covered and at max committing insurance fraud.
Specialty car insurance generally costs less because there is less risk to cover. ( less miles , only on sunny days, owners are more careful and hopefully responsible. )
For those that don't understand how insurance works:
An actuary ( whom is like an accountant except they don't have a personality ) looks at risk factors from past losses then calculates future losses. This is further broken down as to drivers , cars , areas that add / subtract from the median risk.
The cost of losses is divided by the number of insured then admin costs and profit are added in to generate a yearly cost of insurance. Add more risk by driving more and your share of the risk ( what you pay ) needs to go up.
In other words, insurance is shared risk as in: " I can't afford to pay for a total loss of this item so I chip in to cover the losses of others as they will do the same if I suffer a loss.