How do handle insurance on a car that is rarely driven? [I am assuming the State and insurance requirements figure into this. I’m just gathering background information for what questions to ask and of whom.]
I a car that is driven only a few miles a year. Nevada requires insurance. My insurance is costing perhaps a dollar a mile. I hasn’t looked it up yet. Just gathering information.
How do you insure a car that is only driven a couple hundred miles a year?
What kind of car is it and why is it driven so infrequently? There are special insurance plans for things like farm vehicles and antiques that are only driven for show but the specifics matter. It may be difficult to get cheaper than a couple of hundred dollars a year if you meant that literally.
Don’t most insurance companies ask a bunch of questions? Age & gender of drivers, their driving history & anticipated mileage?
Call around to the different insurance companies, explain the situation & see who offers the best deal.
I have a summer car, I insure it for comprehensive and theft most of the year. When I want to drive it, I simply call an 800 number and activate the full insurance. They then send a bill. Switching back is the same.
I think I pay about $60 a year for a declared value of $25,000. When I call to activate the insurance, it triggers a full six month premium - when I cancel, the balance of the premium is applied to future ones (or refunded?).
This is with State Farm. If the car is older than 25 years, you can also investigate Antique Car insurance - but that an be limited to to and from shows, club events etc.
Look into pay-as-you-drive insurance, available from GMAC, Liberty (Onboard Advisor), Progressive (Snapshot), or others.