Multi auto policy costs twice as much?
My car is in the shop for the next 5 months waiting on a part, so I bought a junker to drive until it's fixed.
I added the junker, mentioning that my car was in the shop but I still want her covered (in case a tree falls on the dealership or something like that), and added the junker to my policy.
And now my rate (which was already exorbitantly high, but I like State Farm and wanted to stick with them) has doubled.
I was under the impression that since I didn't add drivers, all adding a second car does is distribute the liability (it's all on me no matter which car I'm driving, but I CANNOT possibly be driving both at once!!!), not double it.
My agent has been off for an extended vacation.
Is that standard, to just double the price of insurance if you add a second vehicle?
In that case, why bother calling it a multi vehicle policy.... they're basically charging me the cost of two completely separate instances.