Who has seasonal insurance?

[srl135]

I am looking (more and more) at Cobra's and have decided if one comes along that I just have to have, that I am going to take the jump back into another Cobra regardless of the fact that I am saving for a house too. So, that means I am just renting now and not a homeowner (not sure if that affects eligibility for this type of auto insurance).

Do any of you have recommendations on seasonal insurance? I have NO problem putting the cobra away for the winter months since it wont have to be my DD and I will have a garage for it.

Thanks in advance for your input...

[ttk53]

I have nationwide, I just call them and tell them that the car is parked for the winter. Saves me Like $100/month. Its parked in my garage.

[Martin0660]

I have Erie, and have a 3 month layup on both my Capri and the Convertible. The car just needs to be parked three continuous months ... We do ours December, January, and February. Saves some $'s and neither of those would be driven in those months anyway.

My agent said to look at it like a gentlemans agreement, you agree not to use the vehicle for those months and they can charge you less. In reality, the car is still insured as required by PA law.

[srl135]

I have Erie, and have a 3 month layup on both my Capri and the Convertible. The car just needs to be parked three continuous months ... We do ours December, January, and February. Saves some $'s and neither of those would be driven in those months anyway.

My agent said to look at it like a gentlemans agreement, you agree not to use the vehicle for those months and they can charge you less. In reality, the car is still insured as required by PA law.

I have Erie for both my DD and the Wife's car so sticking with them is ideal if the cost is worth it. How much does it save you a year to opt for that plan (vs having it insured regularly)?

[Dan B.]

I have Erie, and have a 3 month layup on both my Capri and the Convertible. The car just needs to be parked three continuous months ... We do ours December, January, and February.

Exactly the same ins and layup time here......'cept I don't have his Capri and 'vert.

[Martin0660]

'cept I don't have his Capri and 'vert.

Either or both could be yours if you are interested ;)

[jaa55]

my insurance on the mustang is only 580ish a year, full coverage full tort and thats through erie. matter of fact my new car dropped my insurance compared to the 01 cobra..........go figure

[srl135]

my insurance on the mustang is only 580ish a year, full coverage full tort and thats through erie. matter of fact my new car dropped my insurance compared to the 01 cobra..........go figure

Perhaps that was because its going to be easier to find a replacement for a new car as opposed to another 2001 cobra?

[cemnt guy]

I have Erie, and have a 3 month layup on both my Capri and the Convertible. The car just needs to be parked three continuous months ... We do ours December, January, and February. Saves some $'s and neither of those would be driven in those months anyway.

My agent said to look at it like a gentlemans agreement, you agree not to use the vehicle for those months and they can charge you less. In reality, the car is still insured as required by PA law.

i have erie and do the same

[Terminated]

I have State Farm and my car is on Seasonal Insurance right now. It went from $71/mo. down to $22/mo. for the 5-6 months it will be sitting. I parked it October 20, prob. get it back out in April.

[yeahloh95]

I have the same as bob on my 95 and the svo it made it about half for those two doing the l at up ins for 3 months

[Martin0660]

I don't know the "savings" because both cars went directly on my plan that way, just called my agent and got the price with the layup, never asked the other price since I had no intention of going another route ;)

[crazylou]

call hergaty ins got agreed 30k value for 582 a yr... yes a yr... no matter what happens i get 30k check 0 didatable... and it says on all yr....any other ins will just give u blue book with hergaty u name ur valued price and thats what u get no question asked...

[travj31]

I have Erie on my cars with a 3 month layup and the have a similar setup for my motorcycles through Progressive... easy and saves a couple of bucks.

[mr4teth]

Forget the seasonal insurance and look into Heacock Insurance. They offer year round collector car insurance (Cobra would qualify) with an agreed value. As long as you have a DD to drive to work you're golden.

I'm 38 and I have my GT500 valued for $45,000 with $0 deductibles on $100k-$300k coverage for $485 a year!

When I signed up they had a special for Mustang Club of America member's. So you might need to join ... $30

http://www.heacockclassic.com/

[Monkeygrits]

Erie here calls it storage insurance. If you drive it without telling them and something happens to it I don't believe they will cover it. I think it only covers damage in storage. If you tell them and drive it they will charge you for the days you drive it and send you a bill. I had it on my 00 Roush cougar and now on my mach 1. I don't get the stang out until all the antiskid is off the Damn road up here anyways. I would do it for 4 months if they would allow me.

[no1sirbutler]

I have ALLSTATE and I drop mine to fire and theft for 6 months a year. Since I have homeowners thru them as well, I'm fully covered to any damage to it as long as it sits on my property. If I want to drive it during those 6 months, I just have to call and leave a message at the office and I'm covered.

With Hagerty, doesn't your have to be parked in a garage and not just parked in your driveway....basically your not allowed to store it outside?

[VaderGT]

I have state farm and i have mine as leisure car..only allowed 5000miles a year and I pay $43 a month for it

[AdamantiumSilvr]

I have Erie and mines off for 3 months in the winter too!

[RogerStout]

I drop first of Nov and pick back up first of April.. I have full coverage when its on and I was shocked at how cheap it was. I dont have any milage limitations. I considered it cause its even cheaper if you limit the amount of miles you will put on the car.