Category: Daily Living
Do any of you, or have any of you owned a car for others to drive you around in? If so, how did you deal with insurance, title, and all that other stuff that goes into it? Help would be appreciated, as I'm considering buying a car.
I pay for a car, yes. The wife and daughter drive it, though it is not necessarily for them to drive me around.
So I do know about insurance and the rest. However, what you want it sounds like is a driver-independent insurance on your vehicle, so you can hire who you wish and have them drive you as your employee. You need to look around at insurance companies, and you may pay a higher premium than a good driver would, because most auto insurance takes into account the driving record of the insurance holder. You are wanting to be the holder, and hire whatever driver you wish at your discretion. Definitely shop around at places like State Farm, All State, and others and do this before you get a car. I admit I have not done this, though at one time I had it under consideration.
I owned several cars, love them. Had a wife to drive though, so insurance was on her record.
If you own the car and don't worry about it being damaged than you don't have to carry insurance just make sure the person driving has license and insurance.
I don't think you can buy it just for the car unless you put it under a houses insurance, like something you own.
Yes, you need to insure the car. No, you do not have to also insure other property. My grandfather, who was blind, always had at least 2 cars and sometimes more. There were no drivers in the household. He mainly kept them around for family outings. He always had a big passenger van for when the family would go out to dinner. We have lots of blindys in the family, so he'd just get one of the sighted family members to run the van around and pick everyone up. He also kept a car around for errands and such. Not that this has anything to do with the insurance question, but I feel like sharing because it's funny - my grandfather at one time owned 3 vehicles, the van, a station wagon and a truck he used for work. He used to rearrange them to his liking in the driveway. This of course, required some backing of one vehicle into the street while he moved another one to where he wanted it in the driveway. One time, his neighbors call the police when he was moving the cars around. By the time the cop got there, he was done and was just out in the yard. The cop asked him if he had been driving his cars and he lied his ass off and told the cop he couldn't possibly have been driving his cars because he was blind. The cop just laughed and told him not to do it anymore. Of course, he continued to do it and the neighbors eventually quit hasseling him about it. Anyway, back to the insurance thing. My grandfather's premiums were a little higher because the cars were driven by multiple drivers, but there were 2 or 3 people who drove them 95% of the time so I believe he gave the insurance company an idea of who was driving. You might be able to get the insurance rate lowered if you're not planning on the car being driven every day. Just talk it over with an agent and be detailed about how the car will be used. It's definitely doable.
I own a few cars, in Texas the rule is you can own all the cars you want but you can't insure them unless you have a drivers license. So you can use a family member or wife etc. The main thing is to buy higher than usual liability insurance and hire responsible drivers. The reason is if they crash your car and hurt someone else and they decide to sue you. after there done with the insurance company there going to go after the holder of the insurance policy and that may be your mom or wife. Also in Texas and this depends on the state, the insurance follows the car not the driver. so just because someone may have there own insurance this doesn't mean diddley when it comes to your car.
Sounds like it is a state-by-state thing.
Something a prior poster mentioned is really important though: If you're not going to use the car that often, that should be taken into account, you can pay a lower rate than a commuter would.
Check your local laws. And, gotta love the busybody neighbors probably call and complain, but would be more useless than shit on a fence post if there was a real crime taking place in the neighborhood. lol to modern humans
I recently purchased my first car back in October of 11. Best decision I ever made. Since I was living on a college campus, I wanted to find a car that was stylish, to appeal to students so that they'd be more apt to drive me around, and to also find a car which had no computers, or in other words, strictly mechanical. I finally settled on a 1977 Mustang II. Car was in rough shape when I bought it, but have since rebuilt a performance V8, and replaced the C4 3 speed auto trans with an AOD which gives me a 4th gear overdrive on the highway. I've put about $10,000 into the car, but I love cars, and once it is done, I will have something to show for it. As far as insurance don't listen to what sighted meatballs may tell you. In my case, I chose Progressive. They were very reasonable, and I was able to put whoever on my insurance. Very inexpensive because of the car I chose, and the best part is that they are based in the United States so they always will speak English.
The reason behind me buying a car is that number one, buses are unreliable, never on time, and often times you have to scream to get the bus driver to maybe think about hearing you.
Number two is that I got tired of asking people, and people got tired of me asking them, to drive my blind ass around. I understand it too, because I'm asking them to use their car, burning their gas, to do something they don't really need to do.
Number three, cabs are expensive. Nuff said.
Using your own car allows people to drive you, while kicking them a few bucks or buying them a burger or something. Tip: if you live on a college campus, get an older car, it will stand out, and people will be all over you to drive it. The only thing I will say though is before you invest in a car, that someone is around who knows their ass from a hole in the ground. At least it's a problem up here. I roll my eyes when I hear, "where on your carburetor do I plug my laptop in?"
77 stang 2+2 coupe, custom thunderbird 300hp V8, 4bbl Edelbrock, AOD performance trans with stage 2 shift kit.
As always, keep it street.
Love that idea. Smile.
I am a real car lover, and yep them cabs baby!
I don't own one now, but when married kept them all the time, and drove too. Lol
Just-Chilin I liked your post it was really interesting! I know absolutely nothing about cars..I think it's cool you got one I've never thought of it before.
I am considering this as I have a family and I am dead sick of working with buses/paratransit/cabs/sightees to get us places. I have CP (cerebral palsy) so it's hard to walk far hence taking the bus by myself or with kids is hard. May I ask though how owning a vehicle is cheaper than buses/cabs? I guess if you get a used or older car, you might avoidd high car payments but then you have gas, insurance, maintenance. What about leasing a car? How does that work?
Leasing is like renting sort of. You pay the monthly on it for the said months 36, for example. During your lease all repairs in most cases are covered for you. Some don't do oil changes, but some do.
You also set a mileage per year, example 12:000 per year. If you go over that you pay a bit more at the end of the lease. If you think you will use more than that amount you can chose at the start.
At the end of the 36 months you return the car, say it was nice, and you can release, or go someplace else and buy or lease your new ride.
It is great for people that like to keep something new all the time and who don't have the wish to work on it at all. You drive it, care for it generally, and that is that.
Other fees, like insurance you also pay.
Don't buy outside of your means, don't make a purchase out of desperation, and sign no contract unless it guarantees every part of the car for at least a year or 20,000 miles.
My boyfriend and I got desperate, bought an old junker that turned out to be a lemon, and now I'm out a chunk of cash on it. Car salesman are weasels.