roberts427

What is the best thing to do for winter storage. I will not be driving the cars for a while. I know there are some insurance people on this forum. What does everyone recommend.
One car is under restoration and I will not have that on the road for a couple years. Thanks Robert

warrenmj

I would still fully cover any running car even in storage as it could still be stolen or damaged/destroyed. Others can chime in on recommendations for one under restoration.

SWCDuke

If the car is stored in a secure garage all you need is comp to cover loss due to fire or theft. Talk to your insurance company about suspending all coverage other than comp while the car is in storage.

Duke

rfn026

You might get something called Project Car Insurance. It should cover the car and all the various parts in your garage. It's really really cheap.

Give Adam at NCM insurance a call. He can give you the details.

Richard Newton
Historic Racing Images

Mr D.

I just let it ride.

Mike Terry

Most all insurance companies will make you carry full coverage during the winter months when the car is in storage. It is a good idea to do so and I bet most everyone on here carries there insurance during there storage season. Remember if your house burns down and your car is in garage and burns also your homeowners will not cover the car, just the house and your items in the house not the car in the garage. Go ask your insurance rep. Best to keep it insured. Maybe there will be a nice salt free road day that toy want to get it out for a little run around the town or block. Best to have it insured.

warrenmj

especially the driving part!

fyreline

I always leave the full coverage on the two Corvettes stored in my attached garage in New York every winter while we are at our Florida home. I found that any savings in taking them off the road was minimal when weighed against the risk.

pop23235

If you drop coverage in VA, you'll get a call from the State Police to get your plates.

Easy Rhino

Collector car insurance with an agreed value of $50K on my '65 is about $25/month and includes any spare parts I've acquired for it.

I keep it in case the car gets stolen, burns up in my garage, or I drop an anvil on it, even when it is not in a drivable condition, as it is now.

GCD1962

Collector Car Insurance is cheap so no need to do anything for the winter. For my late model Corvettes I suspend the coverage except for Comp during the winter. Saves a lot of money for 4 or 5 months. Coverage is with Amica.

R66

Search the posts for my R66 experience in finding a new insurance company. I was more than pleasantly surprised by the quote from Adam's people at NCM (he was playing golf or something ).

We drive our cars about 6 months out of the year, but insure them year round. The few $$ we may save in the winter months are more than outweighed by the one or two good days of warm sunshine we might get that we want to take a cruise. Drive Em!!!

ohiovet

During the winter months I keep full coverage on my 65 Coupe so I can drive it on decent days.
I just keep comprehensive, fire and theft on the 2 other Corvettes.
Check on your coverage as I found out that the parts in my detached garage are not covered unless they are on the car. I guess it is like jewelry, it needs separate riders on the individual items.
I use State Farm for all my insurance.

ricks327

Bruce,
Advise your insurance company that you store ALL of your spare parts in your Corvettes!!!!!!
Rick

bb62

Yup. I do the same with State Farm. I put them in storage mode for the winter. No reason to insure them when you can't drive them. And as stationary vehicles in my garage, they are fully insured.

Unless Illinois doesn't use salt in the wintertime, I can't think of a better way to ruin your car.

SonnyAK

The cars we insure with Hagerty, we just let them ride since the rates are so low. We insure a few with USAA too and any of those that get stored and not driven are put on their storage plan. They make it super easy to do since you can just do it yourself on the website. I think they make it so easy to do since a lot of active duty would need get a lot of benefit from this.

R66

SALT? Illinois is aiding Utah in their development of new lakes and beaches by importing their salt leaving new huge lakes every year.

I would venture to guess that Illinois uses more salt than any other state in the nation, but when the roads are dry and not white and the temperature is top down tolerant, I drive them. Happens once or twice each winter.

PS, State Farm took care of fixing my Grandson's 83 Mustang after he met with a deer at 70 mph. They are a good company, but I chose to go with NCM.

GUSTO14

In the states of North Carolina and Florida, if you remove collision from your vehicle you are required to turn in your plates. The Insurance Company is required to notify the state DOT and as pop says, you will likely get a visit.

I believe that Florida has a provision where they can "suspend" your plates for you if you wish, but you still must turn them in and they will hold them. The bottom line is you need to see what your DMV rules are. It's also very likely your insurance company will know the rules for your state and let you know as well.

Good luck... GUSTO

RatDog

I live in FL and drive my car year round so no storage or insurance suspensions. However, whenever my motorhome is not going to be on the road for at least 30 days, my insurance company lets me suspend everything but comprehensive. Just a simple phone call to suspend and another to reactive. I don't have to turn in my plates and no knocks on my door from the DMV since I started doing this 3 years ago.

Steve

Mike Terry

What a knock on the door and turn in a license plate? The only place I know they do that is in Austria. You get your plate and insurance at the same time and same place. You can do it for a week or month or a year at a time how ever you want or can afford to pay it. Insurance and license plates in Austria are crazy. My friends ZR 1 runs about $500.00 a month to drive. It all depends on HP of the car or what ever you are driving.