Last Friday was a magnificant day for a drive here in Ohio. However on Saturday the winds, rain, hail, and snow knocked out power to over 90,000 homes. So the question is when do I call and have the insurance turned on the car for summer? When does everyone that's stored their cars plan on turning on the insurance/regularly driving their cars? By the one of my many pet peeves I saw last Friday. Some guy driving an Acura NSX (red to be exact) talking on the cell phone (using a headphone +) rather than sitting back cranking the radio and enjoying the day and the car!!!
Unstoring car
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From past experience, wait till the end of March. That's when I'm putting the plates & insurance back on the Bullitt.
I'll be flying to Cleveland next Saturday and picking up the car in Parma, then driving it back to Chicago on Sunday. (So far the weather looks decent for the drive). Full insurance goes back on Saturday morning. I chose this particular weekend somewhat arbitrarily...
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<font size=-1><font color=00FFFF>"Smoke Machine" <font size=-2>(X-Press 2)</font>
<font color=00D0FF>True-Blue Bullitt #2294
<font color=00A8FF>(Currently hibernating in Parma, OH)
<font color=0088FF>Chicago (Lincoln Park), IL
<font size=-1>[ This Message was edited by: BUL2294 on 2002-03-11 17:11 ]</font>
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<font size=-1><font color=00FFFF>"Smoke Machine" <font size=-2>(X-Press 2)</font>
<font color=00D0FF>True-Blue Bullitt #2294
<font color=00A8FF>(Currently hibernating in Parma, OH)
<font color=0088FF>Chicago (Lincoln Park), IL
<font size=-1>[ This Message was edited by: BUL2294 on 2002-03-11 17:11 ]</font>
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2,681 Posts
I am keeping mine in storage until june, but not by choice.
Hi neighbor. North Olmsted resident here. I've been driving mine most of the winter. We've had some great days as you know. It just gets better now. My friends that store their cars, all get started at the end of March. Some have been tempted lately to get started this week. Well enjoy your ride whenever you break it out, and mayby I'll see you sometime on 480 or 71. Look for plate # PONY XTC
I keep my car insured year round as a "Pleasure Car". The only restriction is the annual mileage I'm allowed to accrue. That way if the Garage gets hit by lightning in the middle of January (Hey it can happen.. it was 70 in January here in Chicago a couple times) and burns to the ground taking my beloved Bullitt with it it's still insured. I find this type of coverage to be more "complete" than the on again, off again of a seasonal policy.
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End of March, mine is comming out.
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April 1st is my target date. I can't wait-my garage is so small I can't even work on the car. I'm planning on adding fog lights right away.
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21 days and counting....april fools day or not my bullitt is coming out of hibernation!!
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This weekend weather permitting. It is starting to drive me crazy. I am ready to drive something other than an Escort.
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12,043 Posts
April 1, full insurance back on. On that same Monday to the mod shop and then fun, fun, fun. if it's not raining of course.
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I have comprehensive only on my car and on a day like today I call my agent to put coverage on (it's sunny and 50 today). Tomorrow it's supposed to rain so I call again and put comp only back on. I've driven my car several times this winter when it's been unusually warm this way. I'll probably put full coverage back permanently in a couple of weeks.
<TABLE BORDER=0 ALIGN=CENTER WIDTH=85%><TR><TD><font size=-1>Quote:</font><HR></TD></TR><TR><TD><FONT SIZE=-1><BLOCKQUOTE> On 2002-03-12 08:14, DantheMan wrote:
If I have my car in storage, I can get a reduced insurance rate? But of course, I will need full coverage anytime I drive it correct?
Basically, if I hardly drive the car, I can get a reduced insurance rate, correct?
Thanks.. </BLOCKQUOTE></FONT></TD></TR><TR><TD><HR></TD></TR></TABLE>
You can put "comp-only" on your car when you're not driving it. This protects you from if the garage burns down, vandalism, theft, etc. However, if you drive it, you're uninsured because you have no collision & liability coverage. (That's why I put mine 350 miles away--no ability to act on the temptation to take it out on a nice day! :grin: ) For me, the "storage insurance" rate was about 15% of the full-coverage rate. In my case, it also kept the multi-car discount for both cars. With comp-only, you don't get an insurance card (since that's for driving purposes). Depending on the insurance company and the agent, you may or may not be able to do a "I wanna put full coverage back on for 2 days and then back to comp-only since the weather will be crappy then..."
Legally, you could get away with not having any type of insurance on a car in storage--but that's all your risk if something happens. However, if you finance or lease, you may be under contract to have some form of insurance on the car.
As for a reduced rate for driving it less, most insurance companies offer some sort of "pleasure rate". State Farm, for example, allows you to set the rate based on the miles you drive per year. Since I have two cars, I cut the mileage allotment down from 15,000 mi/year on one car to 7500 mi/year on each of two cars--saving me a fortune on both policies, and gaining me a multi-car discount.
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<font size=-1><font color=00FFFF>"Smoke Machine" <font size=-2>(X-Press 2)</font>
<font color=00D0FF>True-Blue Bullitt #2294
<font color=00A8FF>(Currently hibernating in Parma, OH)
<font color=0088FF>Chicago (Lincoln Park), IL
<font size=-1>[ This Message was edited by: BUL2294 on 2002-03-12 11:39 ]</font>
If I have my car in storage, I can get a reduced insurance rate? But of course, I will need full coverage anytime I drive it correct?
Basically, if I hardly drive the car, I can get a reduced insurance rate, correct?
Thanks.. </BLOCKQUOTE></FONT></TD></TR><TR><TD><HR></TD></TR></TABLE>
You can put "comp-only" on your car when you're not driving it. This protects you from if the garage burns down, vandalism, theft, etc. However, if you drive it, you're uninsured because you have no collision & liability coverage. (That's why I put mine 350 miles away--no ability to act on the temptation to take it out on a nice day! :grin: ) For me, the "storage insurance" rate was about 15% of the full-coverage rate. In my case, it also kept the multi-car discount for both cars. With comp-only, you don't get an insurance card (since that's for driving purposes). Depending on the insurance company and the agent, you may or may not be able to do a "I wanna put full coverage back on for 2 days and then back to comp-only since the weather will be crappy then..."
Legally, you could get away with not having any type of insurance on a car in storage--but that's all your risk if something happens. However, if you finance or lease, you may be under contract to have some form of insurance on the car.
As for a reduced rate for driving it less, most insurance companies offer some sort of "pleasure rate". State Farm, for example, allows you to set the rate based on the miles you drive per year. Since I have two cars, I cut the mileage allotment down from 15,000 mi/year on one car to 7500 mi/year on each of two cars--saving me a fortune on both policies, and gaining me a multi-car discount.
_________________
<font size=-1><font color=00FFFF>"Smoke Machine" <font size=-2>(X-Press 2)</font>
<font color=00D0FF>True-Blue Bullitt #2294
<font color=00A8FF>(Currently hibernating in Parma, OH)
<font color=0088FF>Chicago (Lincoln Park), IL
<font size=-1>[ This Message was edited by: BUL2294 on 2002-03-12 11:39 ]</font>
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