ask if you can "suspend coverages" during the months the vehicle is not being driven. You may want to carry Comprehensive only during that time - so if something happens to it while it is parked you will be covered i.e. a storm blows a tree limb on the car or hail damage... or if someone hits it or if it's stolen - the Comp would cover that. You can ask for a "total suspension of coverages" which means that you are not going to put the "comprehensive" on it - but if one of those things I mentioned above happens to vehicle you would not be covered. Just make sure to have your agent/insurance company "reactivate the coverages" before you drive it. You may have to reactivate it every 6 months and make a "one month payment" then "suspend" it again for the remaining 3 months.
Hi Mike, To answer your question, it's not mandatory for a customer to insure a vehicle for more than just Liability insurance coverage. Uninsured and underinsured is covering Medical wich obviously you don't need if its stored. And comprehensive is coverage to cover your Auto when it's damaged by fire Theft vandalism Hail damage sand damage and so on. As long as there's no COLLISION OF Course
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