We often travel for months. If you do not wish to carry insurance on the vehicle while you are away, take the license plate and current insurance to the department of motor vehicles.(county tax office) It is a must that you do this before your current insurance expires. DOMV will do the required paper work. I believe there is a charge of $8.

You must leave your vehicle in the garage while you are away. If it sits outside without a plate, you will be red tagged. If you are not home to receive the notice, your car will be towed. Easy peasy! Leave it in the garage!

When you return to the Villages, purchase an insurance policy and return to the department of motor vehicles. They will do the paperwork and give you a plate along with a valid registration and sticker.

Unfortunately, Florida canceled this a few years ago. You can not longer just post a 10k bound, and not have insurance.

Aren't there fees involved with this process? Also, it sounds like a hassle. I think I would just keep my insurance in place.

No hassle except you may have to sit and wait for an hour or so. DOMV is always busy.

If you are gone for months, it saves you a few hundred dollars. We use the savings to upgrade our hotel stays.

Have you found a low mileage option here?

Can You Afford to Pay For Replacement Car?
 

Most experts advise that Homeowners Insurance DOES NOT cover motorized vehicles! Read your policy....insurance is relatively cheap compared to the expense of replacing a vehicle like a car...

When you purchase insurance, the agent/sales will ask how frequently you use your vehicle. We explain we live in a golf cart community and vehicle is rarely driven. Shop around if you feel the amount quoted is too much.

This is like asking not to pay your mortgage while you're away on vacation.

State Farm
 

I can't say what other insurance companies offer but State Farm Auto allows you to put the car in storage which cuts your premium to about a third of what it normally is. I have 2 cars in 2 different states and do the same thing with the other one when I'm not there. They allow me to reinstate the insurance at times I'm there like over Christmas.

Have vehicles in Florida and Maryland. Had a USAF plate Florida, and assumed had to have Florida insurance on both. Received a letter from Florida and they were going to suspend my license if I didn’t have Md insurance. Changed to Md insurance, had to get Md plates and turn in Florida plate. Both insurance policies went down. Still have Florida license and a card with information if we are stopped with a Florida license.

I'm in Maryland right now - this is indeed correct. Perhaps this is an argument for "insurance by the mile".

All I ever do is ask them to put it in storage.

I just checked with Allstate. They confirmed that liability insurance is required even for a vehicle not being used temporarily. Policy must have changed since you were a broker.

It’s still up on their website
Self-Insurance - Florida Department of Highway Safety and Motor Vehicles
And
Natural Person - Florida Department of Highway Safety and Motor Vehicles

How're you going to get back home from the DMV without a license plate? You have to arrange an Uber or other alternative. Same when you come back to town and want your plates back. And how will you get around between the time you return the plates to DMV and the time you leave? Waiting til the last minute is just one more item on the 'to do' list trying to get out of town. NOT so easy peasy!!