Donohue96M6Z28

iTrader: (64)

I'm about to pay off the z06, and can't stand paying full premium on a car I rarely drive (about $130 a month). I called my insurance (USAA) and they let me put it in "storage mode", which is about $40 a month, but I'm not supposed to drive it, so it's kind of a pointless insurance . I want the car to be covered, but if its only driven once every 2-3 weeks, $130 a month just doesn't seem worth it. I'm just wondering if you guys use any other route for your cars you don't drive much, but to where they're still covered when you decide to take them out for a short trip.

Thanks for any help!

blackonblacksls

iTrader: (1)

none? but I'm hispanic so its to be expected.

dreww

iTrader: (1)

Truthfully, I only have liability. I think that I have never been at fault in an accident, I have uninsured motorist coverage, and most of the value is in the mods which aren't covered anyways. Just my 2 cents.

Pete137

iTrader: (1)

Just liability. I'm currently driving the car about once every 2 weeks, and I never drive it far.

posz28

iTrader: (1)

try mileameter.com

ds2011

Try American Collectors. They have polcies available for those who only drive every now and then. Basically it's a per year mileage cap.

scj

iTrader: (89)

I have none.

Rob's 02 SS

iTrader: (31)

Usaa comprehensive ins. Its liability. But a little better covers against uninsured driver's , hail, vandalism

Aries

I keep USAA full coverage on the 240. Even though it only sees the street like 1 weekend a month. They will give you a lower premium on that car if you explain that the miles driven annually are under 1000.

chupr0kabra

iTrader: (10)

Just man up and pay it. If you try to get cute, you'll end up screwing yourself. Friend of mine had his car insured as "weekends only", with a mileage limit. He drove it to work one day and got in an accident. Even though it wasn't his fault, his insurance company dropped him. Not worth the hassle, IMO.


-Mike

Donohue96M6Z28

iTrader: (64)

If I have to pay it, I'll pay it. I don't short cut anything when it comes to keeping my assets protected. I just wasn't sure of there was a way to be protected with a different type of insurance. I'm not worried about vandalism or hail etc, bc it's parked in the garage.

Cam72aro

iTrader: (28)

x2. . . Its like 320 per year on the t/a. Check into it.

Donohue96M6Z28

iTrader: (64)

That sounds great, When I get to an actual computer I'm going to look into that!

acertx

I use USAA. Full coverage on two vehicles is less or about what most of the people I know pay for a single vehicle's full coverage.

Charlie Hustle

iTrader: (8)

I have Progressive with 2 vehicles insured, a 2000 eclipse (my DD) and a 2002 Ws6. I explained that the TA is a pleasure vehicle and that I drive the Eclipse to work everyday. Liability on the Eclipse and full coverage on the TA is 90 bucks a month total. 15 for the DD and 75 for the TA. Cant really beat that, although I have been with them for 5 years and no accidents/claims.

Cam72aro

iTrader: (28)

Another good thing is you tell them how much you want to insure the car for. Mine is insured for $25,000 iirc.

TWS

iTrader: (63)

Not pointless at all Patrick. Suppose your garage catches on fire? Suppose homey breaks in and steals the car? You want to collect zero insurance dollars?

Like chupr0kabra said, just man up and pay it. Not saying don't look into specialty insurance, but don't be an idiot and leave it totally witout coverage because you aren't driving it often.

Cam72aro

iTrader: (28)

Pointless if you want to drive it. I think thats what he meant. . . Everyone is quick to flame around here. . .

TWS

iTrader: (63)

Good point. Possible that's what he meant. He's known for acting penny wise but pound foolish, so I was pre-disposed to take the bad interpretation.

Then to give more constructive advice, I'd thoroughly check out any specialty insurance agency before switching from USAA. USAA is absolutely top notch and stellar. Not the cheapest, just one of the very best and fairest. I hear about people going with other insurance agencies because the premiums were cheaper... only to find out why when they have a major claim. It's too late at that point.

Donohue96M6Z28

iTrader: (64)

The thought of having no insurance never crossed my mind. If that was my thought process there would have been no reason for this thread. I just would have removed the insurance and called it a day.