What do you guys in the Northeast do in the winter?

spearfish25

Regarding insurance, you should speak with your insurance company. Most will let you drop coverage on a car while you initiate coverage on another for part of the year. Just be sure to keep comprehensive coverage on whichever car you're not using.

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2013 Cadillac V-Wagon, RIP Z

OldGuy

My insurance copverage (except for casualty and theft) is suspended on both my sportscars (Miata since 1996 and Z now, also) from 11/15 through 4/15. Never had a problem doing that.

kannibul

Are you financing your Z? If so, how do you suspend coverage on it? Seems the bank would throw a fit and try and repo the car (at least, that's what I've been told)

OldGuy

No. I've always been able to be a cash customer for my cars. I sell my current one myself and walk in to the dealership (or lately the Internet sales guy) with my checkbook in hand and no trade. I wind up getting excellent and simple offers. I realize this is unusual. I can also tailor my insurance coverage strictly to my own needs.

kannibul

That explains it. I do the same wtih my M/C...

Liability in late fall - early spring. Full coverage during riding season.

My truck is old enough (and I drive it rarely enough) that anything more than liability is a waste of money.

Civic and Z have full coverage with high deductibles and low limits to make it cheaper, due to them both being financed. I'd drop the Z to comp only if I could during these few months.