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@resjudicata This is fine with me. Is this a setup where the insurance company will ask for my credit card info when I increase my coverage, and then issue me a CC refund or check when I drop it back down? So long as the net result is not paying for full coverage 100% of the time, I don't care...

@calledtodiscernment For me, the stated values are: Annual mileage: 1500 (and this is very conservative, it's probably more like 800-1000) Daily mileage: 0 Usage (commuting, business,pleasure, etc): Pleasure Number of days spent commuting: 0 State Farm knows all of this already. Yes, I own...

@conhocgioi The 2-3 days' notice seems weird and inconvenient, but since this should save me a good chunk of money, I'll live with it.

@conhocgioi I emailed them yesterday. I am told that I can go comp-only, but if I want to put full coverage back on it takes 2-3 days' notice. They're supposed to get back to me today with what my exact comp-only rate would be. I also have a renter's policy with State Farm.

@conhocgioi This is my situation, it's my only car. I moved to the city a year ago and bike/bus everywhere so I don't drive unless I'm going on a long trip. But since the car is paid off, other than insurance it's costing me very little to own. I'd rather keep the car and have it last for 25+...

@dannyboy1958 I don't see how. Since the car sits in an access-controlled garage for about 360 days per year, and I have a 100% clean driving record, I'm at about zero risk of filing a claim. The goal here is for me to pay full coverage for those 5 days/year when the car is used.

I own a 2010 Mazda3 which I only drive 3-4 times per year for weekend trips when I leave the city. (I do everything else by bicycle or bus.) State Farm is charging me about $90/mo for the privilege of not driving my car, which includes good driver discounts and my parents' 25+ year history with...