What's the best/most cost effective way to insure a summer car that barely gets touched during the winter months? GPS trackers are not allowed.
You uhhhh call your agent and say "hey, take it off, I'm parking it, I'll call you in the spring."
Quote from: Laconian on December 11, 2022, 01:20:30 PM
What's the best/most cost effective way to insure a summer car that barely gets touched during the winter months? GPS trackers are not allowed.
When you say "barely gets touched" during the winter I would be hesitant to cancel my auto insurance during the winter months unless you literally disconnect the battery in the winter.
Especially if you're down to just two cars, you never know when you'll need it in a pinch. Also, I'm not sure you can cancel your auto insurance for a legally registered car. Might depend on the state.
If a car is not insured, even for a day, the legal requirement is to surrender the license plates.
Quote from: dazzleman on December 12, 2022, 07:23:40 AM
If a car is not insured, even for a day, the legal requirement is to surrender the license plates.
interesting. I have never done that.
My in-laws regularly put their insurance on hold for a vehicle that sees only occasional use. They just call their agent and tell him to put it on hold or to activate it as needed. As far as I know they haven't had any issues with it.
whenever i needed to store my car, insurance never gave an issue about having the plates turned in. The only entity that cares if your car is uninsured with plates on it is the DMV/government. If the car is not in a towable area/not driven then there won't be an issue.
Quote from: veeman on December 12, 2022, 06:50:56 AM
you never know when you'll need it in a pinch.
I think that's what he's looking for, as in, open an insurance app on the phone when getting into the car, press an "on the road" button and the car will be insured until the "off the road" button is pressed.
Quote from: dazzleman on December 12, 2022, 07:23:40 AM
If a car is not insured, even for a day, the legal requirement is to surrender the license plates.
I think that's very much a state to state thing. I don't think there's anything in Ohio that would make me have to do that.
Quote from: MrH on December 13, 2022, 11:54:36 AM
I think that's very much a state to state thing. I don't think there's anything in Ohio that would make me have to do that.
You're probably right.
Having a law is one thing and enforcing it is another. Here, there are many people who pay for their insurance month by month, and they are issued plates based on them having insurance at the time the car is registered. Then they fall behind on payments and the insurance is dropped, but the state does little to nothing to force surrender of the plates. This happened with my nephew. His insurance lapsed and he was hit by a car driven by a woman who also had no insurance. There was no legal penalty for either one of them, even though driving without insurance is supposed to be a serious offense.
If you had 3 vehicles for 2 drivers, you could insure it with Hagerty. But it has to be an "extra" vehicle, otherwise they don't trust you that it's not a commuter.
Progressive does 6 month renewals, so you could insure it for 6 months of the year and just not renew it during the winter.