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Seasonal plates

Discussion in 'Ferrari Discussion (not model specific)' started by JasonN, Nov 14, 2019.

  1. JasonN

    JasonN Karting

    Sep 24, 2017
    239
    Full Name:
    Jason
    Years ago in Pennsylvania, you could drop the collision portion of your auto insurance while the car was in storage for the winter. This would save a ton of money because collision is the highest amount of the policy.

    My agent now tells me I can do that again. Do any other members do this? Do you have to send your plates into the state?


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  3. ag512bbi

    ag512bbi F1 Veteran
    Rossa Subscribed Owner

    Nov 8, 2003
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    Wow, What a great deal!
    Nothing like that in CA!
     
  4. kes7u

    kes7u Formula Junior

    Oct 18, 2017
    639
    Shorewood, MN
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    Kevin
    I do this every winter, and it definitely helps save money. No, I don't have to send in my plates.

    Kevin
     
  5. GTS Bruce

    GTS Bruce Pisses in your Cheerios

    Oct 10, 2012
    706
    Orchard Park NY
    Full Name:
    Bruce Roche
    I do this every year. Keep plates. Car stays in garage. State Farm Ins.
    GTS Bruce
     
  6. Llenroc

    Llenroc F1 Rookie
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    Jun 9, 2004
    3,299
    Colorado
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    Not sure why you would think you would need to send your plates to anyone. The insurance company doesn't require you to have "full" coverage on any vehicle. As far as I know states only require liability coverage if you are driving the car. You could actually get rid of all coverage except the comprehensive portion of your policy coverage, to protect for fire/theft as an example.
     
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  8. vincep99

    vincep99 Formula 3
    Silver Subscribed Owner

    Jun 8, 2009
    1,809
    I do the same with State Farm; I am in MI. I don;t have send in the plates; I simply sign an affidavit (which considering we just got 8 inches of snow is a bit redundant)
     
  9. TTR

    TTR F1 Rookie
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    Mar 29, 2007
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    Riverside, CA
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    Timo
    I could be wrong, but placing a vehicle on (and/or providing proof to carrier of) non-op could have an effect on insurance premiums.
     
  10. ag512bbi

    ag512bbi F1 Veteran
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    Nov 8, 2003
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    Yes, that I know, but unfortunately you cant drive the car at all till you pay the reg. fees in full
     
  11. TTR

    TTR F1 Rookie
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    Timo
    No difference from OP. Can’t drive if not covered for collision liability.
     
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  13. ag512bbi

    ag512bbi F1 Veteran
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    Nov 8, 2003
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    Yea, but I still pay insurance.
     
  14. I'm 360 Canuck

    I'm 360 Canuck Formula 3

    Nov 21, 2015
    1,887
    Ontario, The Real One in Canada
    Full Name:
    Lars!
    It’s common up here. I turn off the coverage for collisions and liability for the winter, only keeping fire, theft, etc. Brings my payments down to a few dollars a month. No impact on premiums, in fact insurers like that coverage isn’t turned off completely.
    Nothing to do with plates up here. If I did drive it this way, I just wouldn’t have any coverage if an accident happened....and I think now cops can check my coverage electronically, so could receive a ticket.
     
  15. TTR

    TTR F1 Rookie
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    Mar 29, 2007
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    Timo
    This is, or perhaps I should say used to be, common in some (northern) European countries 30+ years ago.
    Place your car on non-op (usually for winter season) and insurance companies charged considerably less for the period car was not eligible to be driven on public roads (i.e. in non-op = not registered).
    I haven’t explored if such policies are available here/now, since I drive my cars, including vintage ones, year round.
     

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