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Trackrig

Spent the summer in Conconuly, Wa, MH now in Vanco

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Posted: 09/29/19 01:05pm Link  |  Quote  |  Print  |  Notify Moderator

Except for the DP, I only have liability insurance on my vehicles, they're all paid for. State Farm allows me to put a hold on my vehicle insurance, such as for the class 8 tractor I use to haul my hunting rigs for one month a year, when I'm not using them. When I worked on the North Slope for eight weeks on and two weeks off, all of my vehicle insurances went on hold while I was gone for the two months at a time. It just took a quick call to my agent.

Bill


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toedtoes

California

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Posted: 09/29/19 03:02pm Link  |  Quote  |  Print  |  Notify Moderator

Another consideration is that if you cancel your insurance, you will no longer will get any "loyalty" discounts. This could increase your vehicle insurance.

In addition, it could increase any other insurance you have with the same company.


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ferndaleflyer

everywhere

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Posted: 09/29/19 04:50pm Link  |  Quote  |  Print  |  Notify Moderator

Couple of things above I disagree with. 30+ years ago a tree fell on my untagged and uninsured RV trailer and homeowners paid for it. When my son was in the Air Force over seas a limb fell on his untagged and uninsured truck in my back yard and once more homeowners paid for the damage. In our state at that time if you dropped the insurance you had to turn in the tags but when you picked them up once more you just renewed without any kind of monetary penalty. Thats of coarse if they were paid for.

wa8yxm

Wherever I happen to park

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Posted: 09/29/19 04:55pm Link  |  Quote  |  Print  |  Notify Moderator

Branson N Tucson wrote:

e. My question is why Can't I just cancel the insurance on it and place it back on my policy when return back home. Thus saving money for 6 months.


Well there are multiple reasons why but I'm not an Auto Insurance agent so my information is a bit... questionable.

1 Some companies. if you are "uninsured" for so much as an hour they jack your rate like you can't believe.. Now I know you will still have insurance on other vehicles in force but you need to make sure that the car you drop does not get jacked on you.

2: other things can happen to the car.. Fire, Theft, natural disaster.

But different insurance companies may treat you differently here.

Storage level insurance on the car should not be that much.


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Branson N Tucson

Texas

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Posted: 09/29/19 05:21pm Link  |  Quote  |  Print  |  Notify Moderator

Thanks for info. Car is out right paid for, but believe that I'll pay another 6 month storage fee.

obgraham

TriCites WA

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Posted: 09/29/19 06:09pm Link  |  Quote  |  Print  |  Notify Moderator

I have 2 identical cars -- one in the North and one in the South.

When we switch location, the other car gets "suspended" at State Farm, for all but Comprehensive. It drops to about $20 for 6 months, and one call to the agent swaps out the coverages instantly.

SidecarFlip

SE Michigan

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Posted: 09/29/19 06:13pm Link  |  Quote  |  Print  |  Notify Moderator

Ozlander wrote:

If you can afford to go to Yuma, you can afford auto insurance.



+1...[emoticon]


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Trackrig

Spent the summer in Conconuly, Wa, MH now in Vanco

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Posted: 09/29/19 08:08pm Link  |  Quote  |  Print  |  Notify Moderator

obgraham wrote:

I have 2 identical cars -- one in the North and one in the South.

When we switch location, the other car gets "suspended" at State Farm, for all but Comprehensive. It drops to about $20 for 6 months, and one call to the agent swaps out the coverages instantly.


Yes, there is a lot of difference between suspended and canceld - CALL YOUR INSURANCE AGENT...........

Bill

Rover_Bill

NE. Ohio

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Posted: 09/29/19 10:47pm Link  |  Quote  |  Print  |  Notify Moderator

1968mooney wrote:

MWJones wrote:

My question is: Why ask people on an internet forum an insurance question INSTEAD of asking your Insurance agent !!!!!


Reason is the Agent will tell you facts. Sometimes people do not want facts because it's not the answer they want. Ask it on the forum and you will get many answers, many of which are not factual but are the answers you WANT TO HEAR. [emoticon]


The Agent will tell you facts THAT BENEFIT HIS POCKETBOOK. For years my ALLSTATE agent kept sending me annual policy review reminders about extra cost policy features that they offered that I didn't buy yet. He did not tell me of all available discounts that I was entitled to (neither did ALLSTATE Company). I just found out that I was entitled to a $94/yr discount on my homeowner policy (55+ homeowner discount) that I've been paying for the past 15 yr. [emoticon]


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toedtoes

California

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Posted: 09/29/19 11:38pm Link  |  Quote  |  Print  |  Notify Moderator

Then you've got a bad rep. Mine has been great - three generations have worked with him and he's always gotten us discounts that are applicable.

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