Insurance Broker says my insurance can't be reduced during the winter (car parked)
We are 2 drivers and have 2 cars insured in the GTA. One of the cars I decided to park and lock inside the garage during the entire winter (no driving whatsoever) so I called the insurance broker to reduce coverage.
They informed me that Chieftain doesn't have an option to reduce coverage so I have to pay the same amount even tho I'm not driving the car. They also said that to change to any other insurance provider I would be paying more then the current excellent rate I have...
I asked if I could cancel insurance all together and she said I would need a letter from the financing institution.
It seems a little strange that I'm supposed to pay the same amount when the car is not being driven all winter.
Does this sound fishy? I'm about to start shopping for insurances again.