ATNCHN

I'm currently with co-operators group insurance (under HB group insurance)
I live in Markham and my rates are as follows:

2010 BMW 328i xdrive - $1300/year <--- wife's dd
2007 Honda Civic si coupe - $1700/year <--- my dd
2006 Honda S2000 - $1600/year (Goes down to $100/year during winter seasons when I put the car for comprehensive)

I barely drive the S2000, and probably take her out no more than 30 days per year
The insurance company doesn't allow switching insurance on/off whenever I feel like it, and they have a rule that once the car goes comprehensive, you're unable to switch back to full coverage within 45 days.

Since I have 3 vehicles, I'm still entitled for multi-vehicle discount if I switch the S2000 over to some other insurance company
I'm looking for an insurance company that is willing to insure my S2000 for spring/summer/fall weekends only (so maybe 50 days worth of insurance)
Anyone know of any insurance companies that do something like this?

I'm also open to any recommendation/strategies to lower the cost

s2jizzer

The price usually is dictated by the info you give them, the mileage you put per year and how often and when you drive it. I just switched insurance companies and I'm 24 and I pay $1500 for the entire year with 2 million liability, 1000 deductible and full coverage

ATNCHN

Which insurance are you with? Maybe I should try asking for a quote
I asked this question before, and they said the calculations are put under different brackets
Something like 0-5000, 5000-10000, 10000-20000.. along the lines
So even though I tell them I put around 2000km per year, it makes no difference to the premium as opposed to telling them I put around 200km per year

Adrenalize

^They told me that too. I'm with TD and initially stated I do 5,000kms a year. Turns out I actually do less and they said it doesn't matter.

Adrenalize

That's really good man, def want to know who you're with. Clean record?

Hfreak

Wow, that is crazy. I pay about $800 a year for MY03 but I don't live in TO.

jvf1

You guys should all move to Sarnia.
I pay $54/month when my CR is on the road and $6/month for comprehensive while in storage.
I'm with TD Meloche Monnex.

Hfreak

That's awesome!

I am fine with $800 for the year, full coverage and its paid by the wife!!!

s2jizzer

I get a discount through work so it's not fair to the rest of you haha

CR EH

Man your guys rates are so cheap! And one of you isn't even 25 yet!

I think a lot of it has to do with the area you live in.

As for OP, if your trying to get a company that will let you put it off and on, my experience is its more the agent you deal with. My agent lets me do it whenever I want (although I try not to hassle him), but if I talk to some random person at the company they will say they don't do that.

I have even had company's in the past "place a note" on the account if I know I will only have the car out for a day or two, and they dont bother to change my rate. The note is there in case something happens, then they can say I had full coverage on.