Insurance recommendations

Something I just learned last week - maybe helpful to some others.

I have my 3 Dodges with Hagerty. Two of them only have comp on them as they are not driven (and have not been for 28 years). The 71 Demon 340 is getting close to being done but likely not ready until next spring. The 72 Demon (avatar) has been covered so I can drive it this past year. The other (3rd) car is waiting his turn....

Now that old man winter has arrived here in Michigan, I called Hagerty to drop the insurance back to comp only on the 72 and I was told nope, they do not offer "seasonal" coverage! Once you sign up for a given level, you cannot drop it back until your next 1 year renewal! Huh? So I'm supposed to pay full coverage for a car not being used for 6+ months? Yes, "we do not offer seasonal coverage. Never have." News to me!! Years ago, I covered my cars with full coverage in the summer and dropped them back to comp in the winter with my carrier at that time. Thought I was doing something right moving them to Hagerty a few years back. I just got the 72 running last April and added full coverage to it then (my renewal date is in October so it just renewed). And now I can't shut it off until next October or if I do, it has to stay off until next October!! So much for Hagerty and their slogan of "understanding" how these old cars are (barely) used.

Guess what I'll be shopping for this week for these 3 cars.....

Oh, and 1 other thing...I had checked with American Collector and when I told them the 71 Demon 340 was in the process of a full restoration, they asked if the engine was in the car. I apparently said the wrong thing..."no, it is on the engine stand being rebuilt to go back in it." So I was told "Since there is no engine in the car, we cannot cover it." Really? I scratched them off the list....on to the next company...