Crazy Q. I own 2 cars , but only drive one at a time , is there anway that I could insure 2 for price of one?

Question

To me that makes sense. I am only placing one vehicle at risk at one time and it would be impossible to place both vehicles at risk concurrently.
Agents ?

Answer 1

Question is How often or when do you drive "the other car?"

If you drive one during the Summer and the other on in the winter then you can "drop" the coverage on the other one except for Comprehensive coverage (that's if this vehicle is a newer model). This would be what we in the industry call "lay up"

When you want to use it again...call the agent and have "full coverage put back on.

You may already be getting a (2) car discount however this makes sense if you drive them seasonally.

If you drive one on Mondays and the other on Tuesday Etc etc....then the discount is all you get...sorry.

Answer 2

I do know when we had an "extra" car we had it insured as part time driving use which reduced the rate. You might want to look into what your insurance agent offers. I do know there are limits on the number of miles you can put on it in say 6 months so they can prove if you're driving it more than part time.

Answer 3

Consider this situation.

Car number one is being driven by you - and someone rear ends you.

At the exact same moment, a storm comes up and demolishes your garage, and your vehicle number two at the same time.

Both vehicles are always at risk - because risk doesn't just occur when you are on the road.

Answer 4

Yes, turn in one of the registration plates. I've had clients do that, with "summer cars" and "winter cars". Assuming they're both paid off, you shouldn't have any trouble - you just get the insurance and registration switched when you put one on the road, and take one off.

If you want to keep both cars registered, however, you have to keep them both insured. Because BOTH are licensed for road use, and someone besides yourself could drive one if you said ok.

Answer 5

Nope, the insurance companies don't look at it that way.

If one of them is a classic or antique car, driven only for shows and events and occasional other usage, there are companies that do that type of insurance at much lower rates than the companies that insure everyday vehicles.