My wife and I had 3 cars with Allstate. Homeowners, policy, umbrella policy, everything with Allstate. Same agent for 35+ years. Now the "kid" runs the show, somewhat arrogant, and enjoys all the work daddy built up for him to reap.
Anyway, I recently sold a 2004 sports car leaving 2 cars (a 2016 VW and a 2017 Lexus) on the policy instead of 3 cars.
We are both over 65 (66 and 65). We both use cars for pleasure. No commute/work, less than 5,000 miles each car a year, always. The full coverage amount for 3 cars was $1,500 each 6 months here in NJ (full collision, liability, fully covered 500/500/etc.)
The deleted sports car was $480 each 6 months, and after 2 months in force (to the day), they refunded $250 when cancelling the sports car. However they increased to premium on the Lexus and lowered it on the VW, slightly. The refund in real world numbers should be about $320, not $250.
If you compare line item by line item with each policy/vehicle side by side, the numbers do not make sense.
I know it's only a few dollars, but heck, I feel like I'm getting ripped off, and I need to fully comprehend the procedures allowed or are they getting over on me?