Why do collector car companies not offer layover or six-month policies allowing for premium savings during the winter months?
Actual collector car insurance policies offer you a lower rate for twelve months of coverage than a regular-use automobile policy does for a six-month term. To be honest with you, if you have a policy with a layover period, it is not an actual collector car policy. Collector car policies not only save you money in yearly premiums, they also provide you with year-round coverage, allowing you the freedom to take your car out in the winter months to get work done at the body shop or to take advantage of a nice winter day. Why take a chance in a situation like that when a twelve-month collector car policy will most probably be less expensive and will allow you year-round availability? If you do not have your collector car covered with an actual collector car insurance carrier, and still have it covered with a regular-use auto insurance policy, I feel you are at a real disadvantage because of some of these issues. It is my opinion that you should not have your collector car insured on the s
