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Discussion Starter · #1 ·
I'm starting to feel upbeat.

It's the middle of January and I know in less than eight weeks I'll be back on the streets 馃. This is my third year of storing during Iowa winters and I'm grateful that I can, cuz I wouldn't want it any other way.

A few weeks of this.........
Tire Wheel Automotive tire Vehicle Motor vehicle

Will turn into this in no time :cool:
Tire Wheel Vehicle Car Hood
 

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I'm starting to feel upbeat.

It's the middle of January and I know in less than eight weeks I'll be back on the streets 馃. This is my third year of storing during Iowa winters and I'm grateful that I can, cuz I wouldn't want it any other way.

A few weeks of this......... View attachment 317706
Will turn into this in no time :cool:
View attachment 317707
That's a coincedence, I was thinking the same thing yesterday! I usually put full insurance back on mine and the wife and I celebrate my birthday in April with a Wakeup Cruise over to the Hot Dog Stand. This winter we've hardly had enough snow to shovel, but IDOT and the city street crews have just poured the salt and liquid brine on at even the slightest whisper of snow. After several good rainstorms in early April I figure I might venture out into the garage and take a peek under the cover at the snoring Lil' Twister...:ROFLMAO:
 

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We can't fool Mother Nature......but I like it when she's on my side (y).
Ooohhh, but don't forget - Tornado season's just around the corner. I see the Weather Service here is announcing Storm Spotter training dates alread LOL! Hopefully things will stay quiet during the Spring-Early Summer like it has the last several years up here in Northern Illinois. Seems the Southern States have taken a beating lately...
 

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I mentioned to Vicki the other day that April is right around the corner.
That's when we usually put ours back on full insurance. We haven't had much snow here either.
Between salt on the roads in town and the neighboring farms hauling :poop: crap :poop: to spread on the fields every day, I wouldn't even consider taking them out of the driveway this time of year. Too much work keeping them spotlessly clean.
I'm not complaining though. Been this way since I got mine in 2010.........just a waiting game.
The only downside is, during the first winter stored I did all the mods I wanted to do.....
So now I have nothing to do but wait for spring till I can break out the claybar, polisher and wax.
 

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It was 54 and sunny in New Jersey yesterday and before I knew it I had the cover off and I was cruising with the sunroof open and traction control off....so much fuuuuuun
Challenger...the gift that keeps on giving! 馃憟:p(y)
 

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@jklotz10 and @Derecho when you say that you reduced the type of insurance you have on your cars during storage, what are you taking off. If tragedy were to befall you for any reason what wouldn't be covered? I've contemplated having just fire and theft on mine when stored, but I can't recall what I lose if something happened. I decided to keep full coverage on mine.
 
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Discussion Starter · #11 ·
Depending on your insurance provider, you can remove certain coverage that doesn't apply to a car in storage. In my case, these are removed since they aren't necessary and I don't have to pay for the coverage:

-Bodily injury/property damage.
-Medical expense.
-Collision.
-UM coverage.
-UIM coverage.
-Death & disability.
-Air bag discount.

Anything beyond that (which is not on my policy) is covered by the owner's policy of my storage facility.
 

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@jklotz10 and @Derecho when you say that you reduced the type of insurance you have on your cars during storage, what are you taking off. If tragedy were to befall you for any reason what wouldn't be covered? I've contemplated having just fire and theft on mine when stored, but I can't recall what I lose if something happened. I decided to keep full coverage on mine.
We took collision off only along with associated coverage that goes along with being covered for road operation. We're still covered for theft, fire, tornado, etc. and stupidity if I do something brainless and damage mine (if I damage Vicki's insurance won't matter because I won't be alive to see an insurance claim processed).
 

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We took collision off only along with associated coverage that goes along with being covered for road operation. We're still covered for theft, fire, tornado, etc. and stupidity if I do something brainless and damage mine (if I damage Vicki's insurance won't matter because I won't be alive to see an insurance claim processed).
馃槀
 

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Lucky me when I owned my Camaro, dead of winter, they did break into the garage that it was stored at and attempted to steal it. Couldn't hot wire it, tried to burn it by stuffing rags into the gas filler neck. Fire went out and by then someone noticed and they ran off. I only had fire and theft on it. Cost me for new locks and a tank flush. That's when I decided that I would keep full coverage on my cars.
Your situations are very different and so is mine now, but I still carry Full Coverage.
I guess I over think things. 馃
 

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dumb question, since you remove collision in winter does theft cover collision if the thief crashes your car? my insurance is reasonable enough that i just leave it on fully insured even when stored.
That's a good question...one I never asked.
We live out in the stix and have not had any instances of crime in my 32 years here. I know that doesn't mean it couldn't happen.
Any thief would have to get into the house to get the key FOB in order to steal a car. That in itself would be hazardous to the intruders health if I am home - and since I'm retired it's probably the case during the day and at night.
 

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That's a good question...one I never asked.
We live out in the stix and have not had any instances of crime in my 32 years here. I know that doesn't mean it couldn't happen.
Any thief would have to get into the house to get the key FOB in order to steal a car. That in itself would be hazardous to the intruders health if I am home - and since I'm retired it's probably the case during the day and at night.
Me too, I'm a newly retired "homebody" as well as a light sleeper. They'd better be super ambitious and faster than a bullet if they want to have anything we've got. ;)
 

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dumb question, since you remove collision in winter does theft cover collision if the thief crashes your car? my insurance is reasonable enough that i just leave it on fully insured even when stored.
Being a former insurance agent, the answer is yes. Comprehensive coverage is for fire, theft (which includes what they do to it), hail or any other natural disaster. Collision is only for an accident when you are at fault and damage your car when driving it.
 

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I don't really qualify as a winter storage owner, but mine has seen a lot of garage time this winter with all the snow we have had the last month. We are close to 50 inches now, with another 5 yesterday. I am pretty sure I won't be driving for a few weeks now.
But when you can get out here, there isn't any salt at all. Once the ice melts, then you are good to go! I just really loved driving in the Black Hills on December 30th without anyone there!
Land vehicle Car Sky Vehicle Automotive lighting
 
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