Quote:
Originally Posted by Cdn ZR1 95
I'm insured with TD as are my daily drivers. Currently getting an appraisal done to make sure I'm completely covered. One thing you might consider is I am able to switch to comprehensive for roughly 6 months during the winter when it is parked. So fully covered for fire/theft etc. Nice thing is that is about $20/month from Nov-April. Call them up, add back collision/liability in late April and good to go. Brings annual cost to around $650 for the year and no restrictions.
Unless I'm missing something seems like the best of both world for us Canadians with a shorter driving season.
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You make a very good point.
Since I started this yesterday, I have been looking more closely at my current costs, since I do the same (full coverage for six months and just comprehensive for the storage months). In so doing, my annual costs drop from over $1300 to about $700, but this approach is a bit of a PIA to administer and more importantly, it eliminates the ability to take the car for short runs (to keep the diff and tranny better lubricated) on dry days during the winter (since I don't have collision during those months).
I have an exchange going with Lant to ensure my use of the car would not violate the terms and conditions of the policy. If it doesn't, having full coverage year-around and having to deal with the insuarnce company only once a year (for renewal) will win me over to "the collectors".
It's always good to have options!
bl