Cheapest way to maintain insurance history?
My mom has an old car (late 80's olsmobile) she has not driven in 2 years or so, mostly because she is concerned about reliability and I just drive her when needed, which isn't much due to the pandemic as I get her groceries as well. She switched to fire/theft and parked it in the garage, but the fire/theft coverage through intact is still quite expensive - around $500, when the full coverage was around $900-1000 for her.
Clearly this is not worth it, but what I am concerned about is her losing insurance history and getting gouged if/when she decides to get her own car again.. which may not be for another 3 years or so (depends if I move further away and if other family can give her rides, but I don't want her to give up her independence). Also concerned that if she does decide to drive the old car again, finding insurance may be tricky as well due to the age, though the car may be sold by then. Is there any way to get dirt cheap coverage while still being "insured", like bare bones absolute minimum?
Clearly this is not worth it, but what I am concerned about is her losing insurance history and getting gouged if/when she decides to get her own car again.. which may not be for another 3 years or so (depends if I move further away and if other family can give her rides, but I don't want her to give up her independence). Also concerned that if she does decide to drive the old car again, finding insurance may be tricky as well due to the age, though the car may be sold by then. Is there any way to get dirt cheap coverage while still being "insured", like bare bones absolute minimum?
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