Many of us garage our cars in the winter months, cover them up, and don't drive them. I was wondering what insurance do you used and the coverage during your months of non use ? Do you up the deductable or what do you do ? Certainly doesn't make sense to cover your car and pay full insurance.

 

You can remove collision coverage at will(assuming you don't have a lienholder) and re-add whenever you feel like it just make sure you add it back before you take it out of the garage. Keep in mind as well most auto policies have stipulations that you can't use your property damage coverage on your own property so if you were to back into your parked and covered Jag with another one of your owned vehicles you would be out of luck(if you removed the collision coverage from the Jag). I'm in SC and we don't have Winter and my insurance isn't that high so I don't chance it and leave full coverage year round. You may want to ask your insurer if they have a discount for confirmed low mileage use and go that route.

 

The difference between dropping collision vs. keeping it insignificant. Same with raising deductible. IIRC, the last time I checked it amounted to $30 savings for six months. Also fwiw, some carriers require the same coverage on both cars. Don't recall if ours does but like I said, not worth the savings.

 

I have State Farm "classic car" coverage on mine, which is significantly cheaper than regular coverage. There are no mileage restrictions per se but you have to confirm that you aren't using the car as your daily driver. It also has to be more than 10 years old and be considered "collectible" - which they interpret in a somewhat loose way. In any case the XKR meets all of these tests.

Whatever you do, do not drop coverage even intermittently, unless you verify that the parked car will be covered by your home insurance. As has been pointed out, most policies don't. If, heaven forbid, you were to have a garage fire or something, you would be SOL.

 

I use to drop insurance coverage during the winter, only carried Comprehensive incase there was damage to the vehicle during storage, did save me a few dollars.
Then I found Hagerty Insurance, saved me more and has some nice additional features.

 

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