auto insurance

i have a problem with my auto insurance. i own a van that was recently wrecked. the insurance company charges my premium based on the vehicle i drive. they do not consider the condition it is in . when it was wrecked it had prior damage  so it was not worth what i was being charged on my premium for it. i do not think that an insurance should be allowed to do this they should have to pay the amount they are charging me on my premium for the vehicle

jerryjr1977:

i have a problem with my auto insurance. i own a van that was recently wrecked. the insurance company charges my premium based on the vehicle i drive. they do not consider the condition it is in .

No.

They don't.

As long as your coverage is based on the year, make and model per the VIN, they aren't going to.

jerryjr1977:

when it was wrecked it had prior damage so it was not worth what i was being charged on my premium for it. i do not think that an insurance should be allowed to do this they should have to pay the amount they are charging me on my premium for the vehicle

Here are your options:

1 - Drop your physical damage coverages and eliminate the premium.

2 - Increase your deductibles and reduce the premium.

3 - See if your company writes "stated value" coverage. That means you get to state how much insurance you want on the vehicle. So if your car's market value is 10,000 without damage and 5,000 with the exiisting damage you might be able to buy the reduced amount of insurance at a lower price.