Some drivers have a convertible or motorcycle that they drive only during summer months, or they don’t feel comfortable driving in the snow. If you are one of these drivers, you realize that winter is approaching and it's time to store your pride and joy indoors. Robert Taylor Insurance, the most trusted and experienced car insurance agency in Lorain, OH, offers some car insurance suggestions for storing your vehicle this winter without compromising its coverage. For more than 25 years, this Progressive dealer has helped drivers navigate the insurance landscape and select high-quality, affordable auto insurance coverage.

3 Key Car Insurance Tips When Storing A Vehicle This Winter

Don't Cancel Your Car Insurance Policy

Do not simply cancel your car's insurance policy, even if you don’t plan on driving it. Reinsuring it could prove costly. Insurance companies tend to charge more to insure a car that does not have an existing policy in place, since there is no recent record of them driving and are considered at a higher risk. Instead, maintain a minimum amount of the right coverage to keep the best rates and protect your vehicle.

Maintain Comprehensive Car Insurance Coverage

Another reason to maintain your coverage is that, without insurance, your car is still vulnerable to vandalism, theft, and fire. Thus, you should maintain comprehensive insurance coverage to protect the vehicle against those perils. However, you can drop liability and collision coverage during the period the car will remain in storage. This should reduce your premiums and you won’t have to pay for coverage you are not using.

Do Not Drive The Vehicle Without Liability Coverage

One disadvantage of removing liability coverage is that you cannot legally drive the vehicle without it. The state of Ohio requires certain minimum liability and property damage amounts. Therefore, officials from the state Bureau of Motor Vehicles (BMV) may contact you about the lack of coverage and ask you to verify the car is not in use.

Robert Taylor Insurance, the premier insurance agency in Lorain, is dedicated to providing affordable coverage for your cars, homes, and businesses. Visit the website for contact information, or call (440) 277-5191 to speak to a friendly representative about all of your insurance needs.