Daily Driver

Ok so I cant afford the insurance on my regular vehicle at this time, is it possible to use the old binder as my daily for a while till my rates go down?

Two things, if your main vehicle is financed, you will still have to have insurance on it. If not, and your insurance will let you carry it on your old binder, then why not.
Here in Idaho, there is no real difference in the liability portion of insurance irregardless of the age of the vehicle. It is the Full coverage portion that adds the additional money. Lots of things to consider. Do not become uninsured, it will cost you lots more if you do.
Just my thoughts.

Lloyd

I drove a 49 KB-1 as a daily driver for 20+ years, and a L-112 panel daily for at least 10 yrs.

my check list for a daily driver,

1. brakes, you have to be able to reliably stop ALWAYS, and good tires while your at it.
2. lights and signals, for safety, and you don't want to get pulled over, cops biggest excuse for pull over is faulty lights,
3. functioning windshield wipers, if you drive daily your gonna get stuck in a rain storm, gotta see to get home.
4. not necessarily important, but paint it all one color, even if you rattle can it, cops pull multi color vehicles for safety check more often than one that is a consistent color.

I'm sure there are a lot of other things, current tune up etc. but 1-3 are priority to me.

Good advice, Lloyd. It is important to keep your vehicles in good repair to maintain your relationship with your insurance company. If you fail to keep your vehicles in safe operating condition and this contributes to a collision or injury, you could be held responsible and the insurance company will have an out. Read the fine print before you have to pay a lawyer to do it for you. Just make it easy and do the repairs and get an inspection.

Two things, if your main vehicle is financed, you will still have to have insurance on it. If not, and your insurance will let you carry it on your old binder, then why not.
Here in Idaho, there is no real difference in the liability portion of insurance irregardless of the age of the vehicle. It is the Full coverage portion that adds the additional money. Lots of things to consider. Do not become uninsured, it will cost you lots more if you do.
Just my thoughts.

Lloyd

I have full on my daily because its a 2014, i was gonna get liability on the binder and it runs and stops good i just need to have the brake lights checked and one seatbelt put in

Sounds like you have a plan. Seat belt is a good Idea, Here in Idaho, it would not be required. Still a good Idea. Check insurance costs at other places along with the cost of insurance at your regular place. Sometime, you can get a lesser insurance cost for an older vehicle separately.
Just my thoughts

Sounds like you have a plan. Seat belt is a good Idea, Here in Idaho, it would not be required. Still a good Idea. Check insurance costs at other places along with the cost of insurance at your regular place. Sometime, you can get a lesser insurance cost for an older vehicle separately.
Just my thoughts

Yeah i pay 1800 a year for my daily and im just thinking all i could do with that money

Sounds like you have a plan. Seat belt is a good Idea, Here in Idaho, it would not be required. Still a good Idea. Check insurance costs at other places along with the cost of insurance at your regular place. Sometime, you can get a lesser insurance cost for an older vehicle separately.
Just my thoughts

Yeah i pay 1800 a year for my daily and im just thinking all i could do with that money

Yeah, but unless you own that that daily driver outright, the insurance is a requirement of the finance note. You can not stop it even if you don't drive it.

Sounds like you have a plan. Seat belt is a good Idea, Here in Idaho, it would not be required. Still a good Idea. Check insurance costs at other places along with the cost of insurance at your regular place. Sometime, you can get a lesser insurance cost for an older vehicle separately.
Just my thoughts

Yeah i pay 1800 a year for my daily and im just thinking all i could do with that money

Yeah, but unless you own that that daily driver outright, the insurance is a requirement of the finance note. You can not stop it even if you don't drive it.

I do own it outright

You own your 2014 outright, good for you. Now go check with the insurance to see if you can put a type of "storage" insurance on it, verified by mileage readings. Then just carry Liability on your "new" daily driver international. Be sure to calculate the additional cost of fuel in your figures. The reason you should have some form of insurance on your 2014 is to protect your investment. What if something happens to it while sitting. Large loss of money with no possibility of recovery.
The "storage" insurance is very similar to what motorcyclists put on their bikes that are parked over the winter months. Still allows for some movement, yet covers accidents and bodily harm.

My thoughts
Lloyd