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Dropping Insurance on your car this winter?

Old 10-22-2009, 11:14 AM
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Adam Boca
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Default Dropping Insurance on your car this winter?


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Old 10-22-2009, 11:38 AM
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No, we don't have winter..
Old 10-22-2009, 12:21 PM
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GCD1962
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I have four cars with Haggerty. The biggest cost is always the liability, but you only pay that once. The collision & comp is peanuts. I might not drive all 4 cars during the winter, but I might take one out if the weather & roads are decent. For that I need the liability. To me it's hardly worth the time and effort to take the insurance coverage off, either for liability or collison/comp, for a few months.
Old 10-22-2009, 02:00 PM
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Originally Posted by 5thvet
No, we don't have winter..
Old 10-23-2009, 07:46 AM
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Some states (Ga.) what to cancel your registration if you drop your ins. and your ins company will notifty the state when you drop/suspend your ins. I stopped the practice- not worth the bother for me.
Old 10-23-2009, 07:59 AM
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Why would someone do that anyway? It seems dumb to me.
Old 10-23-2009, 08:50 AM
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Originally Posted by 5thvet
No, we don't have winter..
Old 10-23-2009, 11:21 AM
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Originally Posted by Donny Brass
Old 10-23-2009, 12:16 PM
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Orlando, FL here. We only have two seasons: Summer and February...
Old 10-23-2009, 01:04 PM
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Originally Posted by 5thvet
No, we don't have winter..
A 'kinda' winter, here. Can still do the important stuff .. Golf, bike, cruise!
Old 10-23-2009, 02:40 PM
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Originally Posted by Donny Brass
Old 10-23-2009, 03:07 PM
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Originally Posted by Trophy Blue
I used to live where it might snow though gone the next day (northern california). Growing up, I never really needed to own a thick jacket or a scarf. Now, I am living in the midwest and it just rough during the winter.
Old 10-23-2009, 06:19 PM
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Blk63Vette
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Hello

If you take insurance off your car.. Insurance company will call Police Police will send you a nasty letter telling you to put the insurance back, (fines and possible JAIL TIME) on or surreneder your license plate..

Yeah I guess thats why my car still register in OK..
Old 10-23-2009, 06:56 PM
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Originally Posted by Trophy Blue
Hey, I'm from Jersey so I remember....why do you think I moved here
Old 10-23-2009, 07:02 PM
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Originally Posted by Blk63Vette
Hello

If you take insurance off your car.. Insurance company will call Police Police will send you a nasty letter telling you to put the insurance back, (fines and possible JAIL TIME) on or surreneder your license plate..

Yeah I guess thats why my car still register in OK..
======================================== ==========
We keep a car in Rochester NY, another at our Florida home and drive a third between NY and Fl.
State farm allows us to remove the liability on the car in the location thats not being used. They call the program an "insurance Pause" and you don't have to turn in the plates, its all done on the phone with one call. Over the years its saved me a ton of money.
Old 10-23-2009, 07:59 PM
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Originally Posted by Trophy Blue
Why would someone do that anyway? It seems dumb to me.
nothing to save on my older cars, but on my 2003 Z06 I only keep coverage for fire, theft, vandelism...unfortunately we see snow and ice and crap in the winter...saves me $200 per year....

Checked on the older Vettes and the 37 Ford and really nothing to save....
Old 10-23-2009, 08:17 PM
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Originally Posted by Trophy Blue
Why would someone do that anyway? It seems dumb to me.
Since liability coverage is expensive, and if you put your car away for 5-6 months, it makes economical sense to suspend the liability and collision portion of your policy and keep comprehensive in force. The savings are quite substantial.

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Old 10-23-2009, 08:59 PM
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Originally Posted by stall
======================================== ==========
We keep a car in Rochester NY, another at our Florida home and drive a third between NY and Fl.
State farm allows us to remove the liability on the car in the location thats not being used. They call the program an "insurance Pause" and you don't have to turn in the plates, its all done on the phone with one call. Over the years its saved me a ton of money.
I never heard of the insurance pause before...My brother had Gieco insurance they didnt like it when you took insurance off his car..Too bad I think State Farm isnt sticking around Florida (at least housing)..
Old 10-23-2009, 10:23 PM
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Dan Hampton
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Originally Posted by Blk63Vette
Hello

If you take insurance off your car.. Insurance company will call Police Police will send you a nasty letter telling you to put the insurance back, (fines and possible JAIL TIME) on or surreneder your license plate..

Yeah I guess thats why my car still register in OK..
In some States, there is no legal requirement for a resident to carry insurance on their car(s)
Old 10-24-2009, 08:10 AM
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When in Illinois.. Had Farmers Ins. They would suspend coverage with only comp for the winter - and add collision and liability in spring.

In NC - full coverage all the time. You can title a car wo ins but to get a tag proof is needed. If you lapse 1 day - the letters fly! Ten days wo insurance fines and plat revocation.

BTW - this is the state that gave out drivers licenses to ANYBODY and everybody. I believe a dog could of got one if it could sign it's name.

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