Seasonal Car Insurance in Cape Coral

Winter is around the corner. Mountains are ready to be snow-capped. Also, it’s time to put the summer vehicle in storage for the season.

Storing a summer vehicle during the off-season keeps it safe from weather damage.

When the vehicle remains unused for months, you may think to drop the insurance coverage for the time being. However, unsubscribing to car insurance may turn out to be a bad idea in the long run.

It will add to the insurance costs. The insurance service providers look at a gap in car insurance coverage as a risk. It can lead to significantly higher insurance premiums.

A reasonable alternative would be to lower the coverage amount or let go of the collision coverage.

• Quickly receive an accurate policy review by an experienced local agent
• Purchase complete, affordable coverage
• Enjoy the security of being covered by one of the larges, most reputable companies
• Simply start, and stop your coverages to reduce your premium whenever you aren’t driving!

Moreover, some insurers do offer storage coverage. A storage coverage policy drops most of the coverage except for the comprehensive coverage.

It is an affordable option. However, it is noteworthy that having just this policy is illegal if you drive.

Any type of vehicle can be considered seasonal, provided that you don’t drive it year-round. The following are classified as seasonal vehicles:

● All-terrain vehicles (ATVs)
● Recreational vehicles (RVs)
● Snowmobiles
● Motor scooters
● Classic cars
● Sports cars
● Convertibles

Each province has framed its licensing regulations for seasonal vehicles. They have to be complied with whether you take full auto coverage or seasonal one. For instance, if you get seasonal car insurance in Fort Myers, it is optional to keep the comprehensive coverage active.

If unsure what insurance policy to buy, consider asking yourselves the following questions:
● How long will your car be parked?
● Do you know when you will be driving your car again?
● Do you need to keep comprehensive and collision coverage active?

Most car insurance companies don’t write a policy for one season. When it comes to seasonal vehicles, there are different coverage options, like motorcycle insurance or classic car insurance. These are priced with those winter off-months in mind. They provide coverage all year, and the lower risk in the winter months is accounted for.

Looking for seasonal car insurance in Fort Myers? Though spending thousands of dollars on a standard auto insurance policy gives you the protection you need, it isn’t the most financially smart decision.

Cathy Sink offers seasonal car insurance in Cape Coral. Our friendly and experienced local insurance agents can provide advice on how you can save money and protect your belongings including your vehicles while you’re out of state.

We provide temporary suspension of your auto insurance. This typically cuts the rate by more than half. However, we keep on the coverage that the state requires to keep the vehicle registered, as well as comprehensive coverage which covers fire and theft.

Car insurance suspension is a simple process that only takes a few minutes to complete for you. If you own a vehicle that spends months in the garage while you travel, we are flexible to reduce the car insurance rates while it is stored.

Contact us today for seasonal car insurance in Cape Coral!

Frequently Asked Questions

1. I have two homes. Where do I register my car?

Any time you are driving your vehicle and staying in Florida for longer than 90 days, then you should have the vehicle you drive registered here.

2. Can you pause car insurance?

Car insurance must always stay active, however coverages such can be paused while the car is not being driven. This is called suspending coverage, and it allows policy holders to pay only a fraction of what they pay when car is fully covered and being driven.