Can I drop car insurance on one of my vehicles if my other vehicle has coverage?

"I have a financed vehicle with full coverage, plus liability, uninsured motorist, and property damage coverage. My other vehicle is significantly older and only worth about $1,000. I have the same coverage on it as my financed vehicle, except for the full coverage.

Can I drop all insurance on the older vehicle since I have the same coverage levels on my financed vehicle? Does my insurance follow me or does it follow the car? "

“Car insurance typically follows the vehicle and not the driver. This means you will need to maintain coverage on your older vehicle as well as your financed vehicle.
In every state there is a minimum coverage car insurance requirement. Regardless of how many vehicles you own, each car is required to meet these state minimum limits to be legally driven.
If you aren’t driving your older vehicle as often, you can consider lowering your liability car insurance coverage or reducing it to the state minimums.
If you don’t drive it at all. you could also register it with the DMV as non-operational. This would remove the need to have car insurance. “
Emily Maracle
Answered on May 17, 2021
Emily Maracle is a car insurance specialist living in New York. Originally from the Pacific Northwest, she has a degree in English Literature and a background in customer service. She enjoys cooking, gardening, and living sustainably. In the future, she can't wait to upgrade to a hybrid or electric car.

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