If you don't plan to drive your car for an extended period of time, you may be wondering if you can temporarily withhold your insurance. While most insurance companies don't allow you to temporarily suspend your insurance, they can allow you to temporarily reduce your coverage. You may be able to suspend some or all of your car insurance if you're going to be off the road for an extended period of time, depending on the state and the insurer. Comprehensive and collision coverages are optional across the country, so you can remove them at any time if you don't have a loan or lease for a car.
Depending on your state, you may need to file an affidavit of non-use to notify your state that you will not use your vehicle on public roads. This information is not an insurance policy, does not refer to any specific insurance policy, and does not modify any provision, limitation or exclusion that is expressly stated in any insurance policy. Whether you're a new driver or an experienced driver, looking up car insurance rates can help you save on a new policy. If you want to save money on your policy, contact your car insurance company and let them know that your vehicle won't be in use for four months, which will reduce the miles you accumulate in your vehicle.
While everyone may not be able to simply pause their car insurance coverage, there are plenty of ways you can keep your rates low and avoid paying for a service you don't use. If you're not going to operate your vehicle for 30 days or more, you may be able to suspend your liability coverage so you don't pay for that insurance while the car isn't in use. However, if you pay your premiums month after month, you will only be reimbursed for the remaining half month if you decide to cancel your car insurance policy after you have paid that month. If you decide to drive your car while your liability coverage is suspended (or while your coverage expires), you won't be financially protected against medical expenses or property damage caused by your car, and you risk getting fines and other consequences for driving without insurance.
Your insurance company can suggest a payment plan or other option that will still allow you to drive your car. If you keep your car for an extended period of time, suspending car insurance could save you money. Most insurance companies generally won't allow you to suspend your insurance coverage, but they may have other options available. If you plan to take your car off the roads for some time and don't have a lease or loan, you can suspend some car insurance coverages to save money, without completely canceling your policy.
However, if you're going to drive your car from time to time, even once a month, you'll need an auto insurance policy that includes liability coverage. Don't take your car out of the warehouse until all of this has been resolved; if you're caught driving without proper insurance coverage or without a valid registration, you could be fined. Reducing your insurance coverage to comprehensive coverage is often referred to as storage or seasonal insurance. Try to lower your liability limits or eliminate add-ons such as roadside assistance and collision insurance from your policy, as you won't need to change tires or perform repairs after an accident for the next month.