lending institutions have some sort of minimum coverage they must have. find out what that is and change it to that minimum coverage unless you have it already.
also change the deductible real high during those months you're sure you're not going to use the car. then put it all back come spring. your insurance should send you a check for the difference.
although my G and Z hibernate during the winter, my cars are under weekend (leisure) car coverage so it's pretty cheap to begin with. i dont do anything.
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