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@resjudicata Snapshot isn't really pay as you go. It's a telematics program that looks at driving habits including mileage, time of day you drive, hard-braking, and others. Based on the information collected, they adjust your overall rate.

@paulrealh It sounds like you'd benefit from dropping down to comprehensive coverage except when you're interested in using the truck. It's always worth talking to your agent to get their thoughts as well. Coverages are effective as of a date and through a date. So in my hypothetical above...

@ashyokami Whenever you endorse your policy, a new annual premium amount is calculated. The insurer then refunds or charges you a pro rated amount based on how much of the term is left. So it should look something like this: -Day 1-99 of policy, comp only, $100 annual premium (for example)...

@ashyokami Most insurers rate on 1 or more of the following variables related to how often you drive: * Annual mileage * Daily mileage * Usage (commuting, business,pleasure, etc) * Number of days spent commuting If your car is in long term storage and you own at outright - in other words...