Odd Car registration Question (car insurance, DMV, cost)

[annerk]

I have a car that's a "toy." I haven't been driving it much, but I don't want to sell it.

It's paid for, I have clear title.

The insurance is running me about $150/month, mostly collision and liability. I have shopped around, that's a good rate for a convertible sports car.

I'm considering taking it off the road for the next six months.

Here are my questions...

1. I know I can keep the car without it being registered (it's garaged.) If I choose to do this, do I have to turn in the tags, and if I do, what is it going to cost me to put it back on the road in the spring? Can I tell them to "suspend/cancel" the registration but keep the tags? I know some states will allow you to do this with motorcycles in the winter.

2. I know I need to ask my insurance agent to get a firm answer, but has anyone been allowed to keep comp on their car to cover it for theft or a chunk of blue ice crashing through the hood while you're washing it in the driveway while not insuring it for liability and collision?

[Stray_Dude]

Other than my daily driver, I have 2 "toy" cars classified (to the insurance company) as show cars, meaning they're not daily drivers and used only to be driven to car shows. One is a Mustang and the other a kit/replica, and both together cost me ~$500/yr total for full coverage, stated-value insurance.

This is specifically with a company that does collector/show/kit-car insurance, such as Grundy, Hagerty, American Hobbyist, etc. Some impose limits of 2000 miles per year or thereabouts. You'd need to explain why yours in a show car though.

The Mustang has not driven in a few years and has not been registered in Florida since I moved here a few plus years ago, which I understand is not a problem as long as it's not parked on the street etc. I'd think (guessing) that if you let your registration lapse, they'd charge you the late fee (like $20?) when you eventually re-register it. Call a DMV office for the official on this.

I've also heard (unofficially) that the PIP/PD from my other regular insurance company for my daily driver should apply to the show cars, so it's prob possible to get comp only if that's true.

[annerk]

Thanks, but it's not a show car and there's no way I could talk them into believing it is--even though I haven't put 600 miles on it this year.

[Stray_Dude]

Call them and see. Tell them it's being taken out of commission to be built as a show car.