I own a 2 autos, can the insurance company place a surch?

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I own a 2 autos, can the insurance company place a surcharge on both vehicles? Both vehicles are insured on one policy. Could I get 2 separate policies to avoid a double surcharge if it does apply to both?

State laws and insurance companies can differ in regards to surcharges but typically they follow you as a driver, not your vehicle.

In general, an insurer can charge a surcharge (an additional premium charge) for a limited number of years, as a result of violations, suspensions or accidents on the driving record of any driver covered under your policy.

So the surcharge is placed on you due to your driving record so it would not help to obtain two separate policies because if you were a driver on each one you would receive the surcharge on each one.

You may want to shop around for auto insurance if your rates have gone up due to surcharges from your current insurer.

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Question Details

This car insurance answer was last updated 10:42 AM Feb-27.

This buying a policy question was asked 7:05 PM Feb-21-2007.

Kristen L requested this car insurance help from CarInsurance.com experts.

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