um... liabilty wont cover any damage from a collision...
right now for the cars i own (nothing really nice..)
SRT-4, 86 Tbird turbo coupe, and a 46 chev, the multi car discount i get is around 30 - 40% off if i insured them by themselfs...
Actually, the "liability" is the driver, not the car. Wreck one car 10 times or 10 cars once each is the same exposure to the insurance company.
Collision is pretty much the same deal. Of course, you would wreck all your cars simultaneously which would violate the "one-at-a-time" restriction.
Comprehensive probably should be a multiple of the number of cars since they could ALL be stolen or destroyed at once.
It appears that AZ has both policy types. Here is something I found from a court case on the internet:
"Motor vehicle liability policies issuable in Arizona under A.R.S. § 28-1170, as amended, of the Safety Responsibility Act fall into two general categories: an `owner's policy' and an `operator's policy.' * * * In utmost brevity, an owner's policy insures the owner of a specified vehicle or vehicles against liability arising out of their use, while an operator's policy insures the person in the act of operating."
So we have Owner's and Operator's insurance.
If you look at Owner's, it is clearly setup for someone who lets other people drive their car which is the big rip off when you have to buy this kind of insurance and you are the only person in your household who will drive any of your cars.
It is really like a state mandated socialism to protect anyone who might drive your car.
... i share my cars, im not picky... thats what happens when you live around alot of your family. if your that worried about that little some, and KNOW you will NEVER lend your car to some one, go for it.
The problem is that a car poses no liability exposure to an insurance company - a driver does.
So for all the cars you own, you should only pay a fixed liability amount since you are the only driver.
There have been times I've owned 6 cars and with multi-car "discount" I end up paying x + .7 * 5x = 4.5x, 4.5 times the liability I would pay for a single car.
Again, the Owners Policy is aimed at the person who has a fleet of cars for other people to drive! And that is what most states mandate except for NV and now it seems AZ.
I heard that it was made law in NV because the super rich NV ranchers demanded it from the legislature - otherwise it would never have happened through "representative benevolence."
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