Intro & Insurance Q

[crann]

Just signed on !
I retired a couple years ago and bought a 1988 Pace Arrow motorhome.
I live in NC and enjoyed traveling to Sport Car races and other Car related events 4-5 times a year.

After a couple of years I got bored with retired life so now I'm back in college pursuing a 2nd career. (student budget!)

My question is: Does anyone know of an insurance carrier that provides coverage on a 'per use' basis.
I really can't justify $300./year for coverage if I'm only camping a couple of 3 day weekends a year.

Any advice would be appreciated !

[tatest]

Some carriers allow you to suspend liability coverage, which will be what you are paying the most for on a motorhome that old. Not on a per-use basis, necessarily, but seasonally. Good Sams insurance carrier is one to offer this feature.

Discontinuations of liability coverage will be reported to the state. How the state handles this varies. Some send a warning letter, some want you to turn in your plate, some put the license on a watch list. My state wants me to buy a "not used on the road" tag so that I continue paying fees. Considering that upwards of 40% of vehicles are driven without liability cover in some states, the enforcement mechanisms are not all that effective anyway.

On a vehicle that old, that low of insurable value, I lower collision/comprehensive cost by raising deductibles. When the value of the vehicle drops close to the deductible, I quit buying collision/comprehensive, as the insurer is not going to be paying anything on a loss. On an old motorcycle I had, the collision premium got close to the value of the bike. Not insuring becomes a no-brainer.

[tohare]

some insurance companies will let you drop collision coverage when the unit is not on the road, but this is usually done on a 6 month basis. check with your insurance carrier, or agent. Some states require you to turn in your plates..

[Golden_HVAC]

Hi,

When I had Allstate Insurance, I used to call them at the end of a trip and say to suspend the collision coverage. You still would have fire coverage (if you have full coverage) and other things. Then call them before a trip, and get it set up to cover you. You also need it in effect the weekend before you need to smog it or renew the registration (if required in your state).

Many states now have computers to keep track of who does or does not have auto insurance. They get weekly updates.

Good luck!

Fred.