Why do I have to pay insurance on two cars when I can only drive one at a time, and I'm the only driver using the cars

Multi-car discounts: Insurance companies offer discounts to drivers who insure multiple cars with the same provider. By insuring both cars under the same policy, you may be eligible for a multi-car discount, which can help reduce your overall insurance costs.

Convenience: Having both cars insured under the same policy can be more convenient for you, as you only need to deal with one insurance provider and one policy. This can simplify the process of managing your insurance and make it easier to keep track of your coverage.

Flexibility: If you have two cars and only drive one at a time, you may want to have the option to switch between cars without having to change your insurance coverage. By insuring both cars under the same policy, you can easily switch between cars without having to worry about adjusting your insurance coverage.

Liability protection: If you're involved in an accident while driving one of your cars, having insurance coverage on both cars can provide additional liability protection. This can help protect your assets in case you're sued by someone who was injured in the accident.

Financial protection: Insuring both cars can provide financial protection in case one of your cars is damaged or stolen. This can help you avoid having to pay out of pocket for repairs or replacement of the damaged or stolen vehicle.

In summary, insuring both cars under the same policy can provide convenience, flexibility, liability protection, and financial protection, even if you can only drive one car at a time.