[RKDinOKC]

Yep, as a single person with 3 cars the "multiple car discount" does not seem to take into consideration that I can only drive one at a time.

Personally think it would be a much better model to insure the driver(s). Then have the policy incude all the cars you own with the premium based on covering the most expensive car to replace/repair/risk etc. Then additional cars would not increase that premium unless their value/repair/risk is higher than the main car (highest replacement/repair/risk) being covered.

Example: Basic insurance rate is based on my driving record, tickets, accidents etc. And I have a new car. Then my premium would be my base plus whatever the insurance is on the new car. Then later I get a cheap economy car to drive back and forth to work. And since it's value and costs to replace or repair is much less than the new car, it is just added to my policy and covered under the current premiums. Then because I save so much getting back and forth to work I trade my new car in on a much nicer new car. Then my premiums would go up to cover the difference between the newest new car and the old new car. Or I decide the cheap economy car is all I need and sell the new car then my premium goes down the difference betwee the repacement/repair costs of the new car and the cheap economy car.

Of course you couldn't let anyone else drive your cars unless the were added to your policy adding the base for their driving record to your premium.