Do I need auto insurance even if I don't have a car?
I no longer drive or own a car, but I was told that if I don't maintain insurance, my rates will go up in the future if I decide to get another car. Is this true?
Answer provided by
Answered on Apr 12, 2021
Yes, that’s correct. If you have a lapse in car insurance coverage, you’ll likely be charged higher rates down the line.
To avoid this, you can get non-owner car insurance, which is a type of liability insurance that can cover you if you need to drive for some reason but don’t own a car. If you have this, it will be proof of continuous coverage and you can avoid being penalized for a lapse.
Did this answer help you?
Ask us a question by email and we will respond within a few days.
Have a different question?
You can meet us at our office and discuss the details of your question.
Browse by topics
What others are asking
How can I get out of a prdatory car loan?
I'm stuck with a predatory car loan and the monthly payments are killing me. Any advice you have on getting out of this loan would be appreciated.
Apr 02, 2021
Can you use car insurance to cover routine body work on a Ford F-150 truck?
My truck is old and I'd like to get some body work done to spruce it up. Can I use my insurance policy to cover the body work?
May 24, 2021
Why do I need to sign a release before I'm paid out a car insurance claim?
"The at-fault driver's insurance company sent me a release form to sign. They said once I signed it, they would pay out the settlement. It seems weird that I'd need to sign something before receiving the settlement. Should I sign it?"
May 20, 2021