Multiple Vehicle Insurance

[Roa, Greg]

Just one interesting tidbit.  Where I live, in Ohio, they have a wonderful little program where the state sends out proof of insurance cards to random people requesting car insurance information.

At any time, you may get a card, ON ANY CAR YOU HAVE A VALID LICENSE PLATE FOR, and you must provide proof of insurance on this car.

I never thought anything of it, as I have ins on all of my cars.  At one point, I used to drop insurance on my Porsche during the winter, as I don't drive it then.

It was pointed out to me however, that if the state were to send me a card requesting insurance information, I could be fined and or lose my driver's license, due to the fact that I had cancelled the insurance on that car.  The fact that I wasn't driving the car at the time didn't matter.  There was a license plate on it, and therefore I was REQUIRED to have insurance on it at all times.

Your state may vary, but if yours has a similar program, I would check it out before canceling insurance on your car for a season, or swapping coverage between cars.

Good Luck!
Greg Roa
Cincinnati, OH
86' 4kcsq
93' 90 CS
83' 944


>From: Dan Cordon <cord4530 at uidaho.edu>
>To: quattro at audifans.com, urq at audifans.com
>Subject: RE: Multiple Vehicle Insurance
>
>Thanks for all the replies (on and off list) on the topic. I think they
>were extremely helpful. Here's a quick summary of what was recommended:
>
>Having everything insured with one company (house, cars, boat, etc.) is
>likely to get you a slightly discounted rate
>
>Look to get limited use (<7500 or <5000  miles per year) on the less
>used vehicles
>
>Vehicles used only seasonally can have the liability suspended while
>they're un-used (store with battery removed to reduce chances of any
>unauthorized use), but keep comprehensive on the car for theft/damage
>reasons.
>
>Swap insurance between cars (as often as 3-month intervals). You can
>still only drive those that are insured, but at least you get to drive
>them all at some point. This is what currently I do (6-month intervals)
>between my bad weather cars and good weather cars. Still, on a nice
>sunny winter day it stinks to not take a muscle car out for a sunday
>drive. :o)