can I buy liability ins for me, to cover several cars i own?

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Mar 21, 2016

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Insurance Question from Idaho Falls, ID

Asked on 03/21/2016

can I buy liability ins for me, to cover several cars i own? I'm the only driver of five cars. I want to insure me not the cars.

Answer given on March 28, 2016

Automobile insurance is intended to insure cars that are owned by the named insured. You cannot simply insure yourself as a driver and not name the car.If you own several cars, you need to insure each of them. You can reduce costs by only purchasing liability insurance on any or all of the cars, rather than coverage for comprehensive and collision. You can mix or match the coverages as you wish. You can also save money insuring all of the cars since you will get a multi car discount for having more than one car insured with the same insurance company. Also, any good driver discounts will apply to each car. Also, many insurance companies give a discount based on the number of miles driven. If you rarely drive one or more of the cars, then you can save money based on the mileage.Talk to an insurance agent about the least expensive way to insure the cars. It is not recommended that you only insure one or two of the cars, since you may decide to drive one of the uninsured cars and you could have a problem if there were an accident.

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