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Double check Hagerty & Grundy. I called them both about a week ago & one of them will not let you reinstate collision & liability for 1 year from when you drop it. This can be a problem if you are in the snow belt & drop everything except comprehensive for the winter. You couldn't reinstate for the spring. I have St. Paul Travelers for the condo & both cars. I only have a 30 day wait to reinstate coverage and the rates are good.