rec.bicycles.soc archive · Public discussion

Short-term auto insurance--does it exist?

Started by Phil Roban · · Last activity · 8 posts · 5,605 views

← Back to rec.bicycles.soc archive

Thread navigation

Jump through the discussion

Go to the original post, the replies on this page, or the latest preserved contribution.

01 / Original postShort-term auto insurance--does it exist?Phil Roban · 21 Oct 2003 02 / This pagePosts 1–8Page 1 of 1 · chronological order 03 / Latest replyPost #8Chicago Paddlin · 31 Oct 2003

Thread details

What we know about this thread

Original section
rec.bicycles.soc archive
Published
21 October 2003
Last activity
31 October 2003
Original author
Phil Roban
Posts
8
Discussion status
Public discussion
Total views
5,605
Views / 30 days
0
Topics
Training plans

The navigation and discussion metadata provide context. Posts remain in their original chronological order.

Showing posts 1–8 of 8
Posts remain in their original chronological order.

Text size
  1. Original post
    Phil Roban
    Archived post
    #1

    Greetings,

    I have been using my car less and less, and have begun to wonder why I bother to shell out for auto
    insurance each month. For the cost of my present insurance, I could more than afford to run any
    residual car-errands by taxi.

    I don't want to sell the car because a) I am attached to it,
    b) I make cross-country road trips now and then, and c) because I don't yet know how much I am going
    to like cycling for groceries when it's -40 this coming Minnesota February.

    Even if this state did not require liability insurance, I would buy it anyway, because I'm like
    that. So just dropping my coverage and taking chances with the law is not going to work for me.

    So: I really want to keep the car, and really insure it when using it, but I don't have to be able
    to drive it every day, with no notice.

    Does anyone know of an insurer that will let me turn coverage on and off with short notice, for
    short times? Sort of like renting my own car? Or one that offers a policy that covers you on
    alternate Sundays or something?

    I am willing to maintain some sort of storage insurance, if necessary, to satisfy the companies'
    fixation on "continuity of coverage," without which you are over a barrel when you later try to
    re-insure it.

    My insurer and a couple others I've talked to won't touch it. Hagerty's collector car policy would
    almost do it; my car is old enough, but they require that your primary vehicle must be another car,
    and insured by somebody else. Not a bicycle!

    Is there really no middle way? Surely I'm not the first to ask this, though my search on dejanews
    does not reveal it.

    Cheers,

    Phil Roban

    proban at qwest dot net

    Report
  2. Ray Heindl
    Archived post
    #2
    Phil Roban said:


    Greetings,

    I have been using my car less and less, and have begun to wonder why I bother to shell out for
    auto insurance each month. For the cost of my present insurance, I could more than afford to run
    any residual car-errands by taxi.


    [snip]

    Have you canceled your comprehensive insurance on it? If it's almost old enough to be a collectible
    it probably isn't worth shelling out for comprehensive. That would save you a bit if you haven't
    already done
    it.

    The only other thing I can suggest is posting your question to alt.business.insurance if nobody here
    comes up with an answer.

    --
    Ray Heindl (remove the X to reply)

    Report
  3. Phil Roban
    Archived post
    #3
    Ray Heindl said:


    Have you canceled your comprehensive insurance on it? If it's almost old enough to be a
    collectible it probably isn't worth shelling out for comprehensive. That would save you a bit if
    you haven't already done
    it.

    Yep, did that a long time ago. That eliminated two-thirds of the premium. I'm talking about the last
    third. I want this recurring monthly payment for nothing to go away!

    I have taken your other advice and reposted to several other likely newsgroups.

    I have done a little more google searching and have found reference to short-term liability policies
    for truckers (while driving trucks and therefore $$$) and policies for Mexican vehicles operating in
    the US, if that rings a bell for anyone.

    Report
  4. Golightly F.
    Archived post
    #4

    I had a collector car... that I drove only once a month or so... my AllState agent wrote theft/fire
    insurance on it. (About $20 a year). Then if I wanted to drive it I would call him and he'd activate
    the car, (policy).

    I had a friend do the same thing with a car he owned but didn't drive.

    hth

    "Phil Roban" <[email hidden]>

    Quoted message said:


    Greetings,

    I have been using my car less and less, and have begun to wonder why I bother to shell out for
    auto insurance each month. For the cost of my present insurance, I could more than afford to run
    any residual car-errands by taxi.

    Report
  5. Phil Roban
    Archived post
    #5
    Quoted message said:

    I had a collector car... that I drove only once a month or so... my AllState agent wrote
    theft/fire insurance on it. (About $20 a year). Then if I wanted to drive it I would call him and
    he'd activate the car, (policy).

    Thank you. Hadn't asked Allstate yet.

    My car is only 19 years old, not quite yet a "collector" in the eyes of some.

    Were you able to activate liability coverage in one-day increments? Without taxing your
    agent's patience?

    Report
  6. Dr Engelbert Bu
    Archived post
    #6
    Phil Roban said:

    I have been using my car less and less, and have begun to wonder why I bother to shell out for
    auto insurance each month. For the cost of my present insurance, I could more than afford to run
    any residual car-errands by taxi.

    Here in Germany it is possible to get a short term licence plate for cars, the price includes road
    tax and insurance. They are issued for 24 h periods and usually used to transfer a car from dealer
    to customer or the like. Since that sort of thing must be going on in the US as well, I'd guess that
    there will be some sort of procedure for it.

    Report
  7. Mitch Haley
    Archived post
    #7
    Dr Engelbert Buxbaum said:

    Here in Germany it is possible to get a short term licence plate for cars, the price includes road
    tax and insurance. They are issued for 24 h periods and usually used to transfer a car from dealer
    to customer or the like. Since that sort of thing must be going on in the US as well, I'd guess
    that there will be some sort of procedure for it.

    It varies among the states, most sell some type of one day to one week registration, but as far as I
    know, none include insurance, which must be purchased privately.

    Report
  8. Chicago Paddlin
    Archived post
    #8

    In rec.bicycles.soc Phil Roban <[email hidden]> wrote:

    :> I had a collector car... that I drove only once a month or so... my AllState agent wrote
    :> theft/fire insurance on it. (About $20 a year). Then if I wanted to drive it I would call him and
    :> he'd activate the car, (policy).

    : Thank you. Hadn't asked Allstate yet.
    :
    : My car is only 19 years old, not quite yet a "collector" in the eyes of some.

    : Were you able to activate liability coverage in one-day increments? Without taxing your agent's
    : patience?

    You probably won't be able to do Antique Plates/insurance. Here in Illinois at 25 years you can
    purchase AV plates which cost about $110/4 years and classic insurance for a 25 year old
    Porsche costs me $57/year for very sizeable coverage. Limited to 3k miles per year. Car must be
    25 years old.

    Only think I think you can do is put a mileage limitation on it which will save you a little.

    --
    John Nelson
    -----------------------------------------------------------------------------
    Chicago Area Paddling/Fishing Page
    chicagopaddling.orgchicagopaddling.org chicagofishing.orgchicagofishing.org
    (A Non-Commercial Web Site: No Sponsors, No Paid Ads and Nothing to Sell)

    Report

Keep exploring

Browse the sectionrec.bicycles.soc archive Return to CyclingForumsStart at the home page Search discussionsFind another thread

Active in the last 60 minutes

Active in this thread

0 users · 0 guests ·0 bots ·0 total

No signed-in users are active right now.

No known search crawlers active right now.