I have been thinking about something like that.
I am self employed, and work a lot of different things. I have a 03 car, 05 suv, and a 88 truck. All are needed at times, but if I could just pinpoint when I may can just "store" something for a while I am ready.
The thing that to me is bullshit is that I am one person. I can not drive all 3 vehicles at the same time, so why is my insurance so high for each one?
(the reason they are so high is because of the 2 mil umbrella policy I have), but I just feel like each vehicle should have a lower coverage for some stuff, while liability should be a separate price that covers all vehicles, because I am never driving more than one at a time.
And 6/6/20 was one of those rare days that I ended up driving all 3 in the same day.
Damn I wish I could plan some "storage" stuff to save money on insurance.
Through the years State Farm has been great at replacing cracked windshields at 0 cost out of my pocket. And they did not go up on me after the boating accident(it was minor), but still, liability should be per person, and not per vehicle.