Both Haggarty Ins. and Grundy Ins. require you have a garage. I have my convertible in the garage fully covered by Haggerty Ins since the bank still carries the note. My coupe has to play second fiddle and sit out under a cover all the time. It has a clear title and I just carry a liable police with American Family Ins. If it's wrecked it wound more than likely be totaled out.
