A seemingly odd question

There's a 6 month minimum penalty that these companies are allowed to collect from any driver that has been without car insurance for even a couple of months (some only 30 days lapse gets you the penalties)........

It's nothing but legalized extortion, but not a blessed thing you can do about it.

Classic insurance can be bought through various companies...... Heacock, for example, requires little proof of their requirements, but you'd better have a locking garage or they won't even discuss it. The daily driver can be a family car, even your Mom's IF you still live there.....but different companies have different requirements.

Good luck.