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Unread 09-23-2008, 10:53 AM   #1
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Join Date: Jun 2006
Location: Denver, CO
Posts: 382
Insurance ?

I am a moron when it comes to insurance. Anyways, I am currently DDing my XJ, but have a Jetta I want to start having be my DD. I have my XJ for sale, but am contemplating keeping it, and using it on weekends. So for my question- I have State Farm insurance, and spoke with them and didn't get good answer to my question- is there a seperate way to insure a vehicle that will be used on weekends, both on and off road, and possibly road trips? Will a "storage" insurance policy cover this, since it will be driven occasionally?

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Unread 09-23-2008, 12:05 PM   #2
Ed Rico
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1997 XJ Cherokee 
Join Date: Jun 2007
Location: Terre Haute, IN
Posts: 526
If you're a single driver with 2 vehicles, your insurance company should rate you as primary on one vehicle you designate and as "pleasure/recreation" or some similar weasel word description for the second vehicle based on limited miles/usage since you won't be driving it to/from work daily. You don't want comprehensive-only coverage (fire/theft/vandalism) on your second vehicle unless it's continuously in storage and not being driven since you wouldn't be covered for an accident if you drove it.

If you do stick one of your vehicles in storage for an extended period (like over the winter), by all means call your agent and dial back your coverage to just comprehensive. That'll save a few bucks over your normal pleasure/recreation rating. Just don't forget to call back to have the normal coverage turned back on when you plan to drive that vehicle again.

-Ed Rico
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