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Car insurance on Unused Vehicles

Written by Michele Wilmonen. Posted in Ask An Insurance Question Last Updated: 03/29/2016

Q: I have multiple cars, that the wife & i 90 percent of the time normally drive together. We have insurance through farm bureau & have to insure each car, truck or motor home separately. Is there a type of insurance that i don’t have to keep putting my vehicles in storage, so depending on the weather we would be able to drive which ever car we want?

A: Actually this is the first time I have ever heard of someone having to put their vehicles on separate car insurance policies. The motor home I can understand as it is a recreational vehicle, but not the cars. You may want to shop around with other insurance companies that allow you to keep all your vehicles on one policy.

In regards to the storage issue, in most cases by listing your vehicle as being in storage it saves on having to pay for insurance coverage that you don’t need at the time you are not driving the vehicle. If you want to be able to just jump in your vehicle and go whenever you please and not have to call your insurance company to put coverage back on your vehicle. the only option is to keep the insurance coverage on that vehicle at all times.

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Michele Wilmonen

Michele's first introduction to insurance was working for a major insurance company as a file clerk and a mailroom supervisor in a regional office. She learned insurance directly from underwriters and claims adjusters from questions and also watching them do their job. Since then, she's earned a number of insurance certifications from the Insurance Institute of America and also a Bachelor’s degree from the University of Idaho. She blogs at Car Insurance Guidebook.

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