Originally Posted by Helen
I just sent this to my insurance agent tonight. I expect a BS answer, but I thought I should at least give him a chance to explain. We are going to be out of the country for 3.5 months beginning in January.....
My mom is a snowbird takes off insurance on her car when she is away for the winter since it is just sitting in the garage... IIRC she leaves the comprehensive on but cancels/suspends liability and collision.
On the rate creep... definitely shop it when you get back. On our two cars the 2018 premiums were actually 8% lower than the 2017 premiums... we use Cincinnati Insurance Company. In past years the increases have been fairly modest... less than double digits.
Perhaps part of the rate increase is an Aaron Rogers discount double-check advertising surcharge.