Insurance coverage when storing for the winter? - Camaro5 Chevy Camaro Forum / Camaro ZL1, SS and V6 Forums

armando416 · 11-07-2009, 12:47 PM

I know someone must have run across this already, so here's my question...if I am storing the car for the winter, but the vehicle is financed, so I still have to keep full coverage on it? I don't see how I could get away with anything other than doing a high-deductible collision coverage...has anyone been able to get away with putting a stop on the policy entirely?

franknbeans · 11-07-2009, 01:07 PM

Talk to your insurance co. I have "winter storage" insurance from december to Feb. . . my only lets me to 3 months.

glambert1 · 11-07-2009, 01:32 PM

state farm here lets me cut it to winter sorage as long as i need its only a couple hundred dollars a year for the time its away and i just call them to put it back on the road i keep the plate and everything no hassles

zen · 11-07-2009, 01:41 PM

Just "suspend" the Liability and Collision. Keep the Comprehensive in the event of fire or other damage.

tones2SS · 11-07-2009, 01:52 PM

I keep mine insured all year long and it only gets like 80 miles on a year.
It's good to have, just in case something happens in your home/garage.

TJ91 · 11-07-2009, 01:58 PM

fire and theft is what my car is under now. Insurance dropped from 600 to 50 a month now

Im 18)

bigd1276 · 11-07-2009, 03:41 PM

I have State Farm and take mine off the road for the winter months. They charge me $20/month.

camarogolfguy · 11-07-2009, 07:25 PM

Quote:

Originally Posted by armando416

I know someone must have run across this already, so here's my question...if I am storing the car for the winter, but the vehicle is financed, so I still have to keep full coverage on it? I don't see how I could get away with anything other than doing a high-deductible collision coverage...has anyone been able to get away with putting a stop on the policy entirely?

All you should need is comperehensive coverage with a low or no deductible. As long as it stays in storage and is not driven (hence not subject to being hit) this should be sufficient for the lender. Comprehensive would cover mischief and fire, etc.

$40.31 for six months.

2Tightwads · 11-07-2009, 07:33 PM

I work for SF Ins. Drop it to comprehensive ONLY with a $0 deductible (If available to you) and garage it. No issues.

11-07-2009, 12:47 PM	#1
armando416 Drives: Camaro 2SS IBM/Grand Prix Join Date: Jan 2009 Location: Jacksonville, FL Posts: 123	Insurance coverage when storing for the winter? I know someone must have run across this already, so here's my question...if I am storing the car for the winter, but the vehicle is financed, so I still have to keep full coverage on it? I don't see how I could get away with anything other than doing a high-deductible collision coverage...has anyone been able to get away with putting a stop on the policy entirely?

11-07-2009, 01:07 PM	#2
franknbeans Whipped Drives: 2010 CAMARO Join Date: Sep 2008 Location: Pittsburgh-ish - PA Posts: 4,216 View My Garage	Talk to your insurance co. I have "winter storage" insurance from december to Feb. . . my only lets me to 3 months. __________________ Car of the week 7/7/14

11-07-2009, 01:32 PM	#3
glambert1 HOMER Drives: 2010 camaro 2LT RS SIM Join Date: May 2009 Location: New York Posts: 527	state farm here lets me cut it to winter sorage as long as i need its only a couple hundred dollars a year for the time its away and i just call them to put it back on the road i keep the plate and everything no hassles __________________ ....do it yourself and be proud when you brag about your mods...

11-07-2009, 03:41 PM	#7
bigd1276 2017 HyperBlue 2SS Drives: 2017 HyperBlue Camaro 2SS Join Date: Jan 2009 Location: PA Posts: 2,137 View My Garage	I have State Farm and take mine off the road for the winter months. They charge me $20/month. __________________ ] http://www.camaro5.com/forums/showthread.php?t=30755 2010 IBM 2LT RS......Traded for..... 2012 IBM 2SS RS......Traded for..... 2017 HBM 2SS

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11-07-2009, 01:41 PM	#4
zen Drives: 2011 CTS CPE & 2010 2LT/RS CGM Join Date: Jun 2009 Location: Nevada Posts: 337	Just "suspend" the Liability and Collision. Keep the Comprehensive in the event of fire or other damage.

11-07-2009, 01:52 PM	#5
tones2SS Drives: '13 Roush S3 '16 Ram Sport 4X4 Join Date: Apr 2009 Location: Massachusetts Posts: 3,100	I keep mine insured all year long and it only gets like 80 miles on a year. It's good to have, just in case something happens in your home/garage.

11-07-2009, 01:58 PM	#6
TJ91 :chevy: Drives: 2LT/RS Join Date: Jun 2008 Location: Toronto Posts: 13,033	fire and theft is what my car is under now. Insurance dropped from 600 to 50 a month now Im 18)

11-07-2009, 07:33 PM	#9
2Tightwads Banned Drives: 2002 LS1 swapped into a 1994 Z Join Date: Sep 2009 Location: San Antonio, TX Posts: 386	I work for SF Ins. Drop it to comprehensive ONLY with a $0 deductible (If available to you) and garage it. No issues.