Do I really need to keep my auto insurance policy if I'm moving to a big city with plenty of public transportation?

I am moving to Atlanta and thinking about getting rid of my car. The cost of insurance and gas and parking is so expensive there. They have an active public transportation system; I can walk or ride my bike everywhere and Uber other times.

Answer provided by
Shannon Martin
Answered on Apr 29, 2021
Shannon is an expert in personal lines liability insurance with 13 + years of insurance industry experience. She also served as a special insurance liaison to AARP members for 6 of those years. She is a graduate of UL Lafayette and currently resides in NY with her family. Shannon is also an amateur juggler, ukulele player, and is a time travel paradox theory enthusiast.
“Having continuous car insurance is a rating factor all carriers look at. Having a lapse in coverage is deemed “”high-risk”” and might make getting future coverage more expensive.
However, in some cases like yours, it might make sense to cancel the insurance. Some people take out a named non-owner policy for times when they might rent or borrow a car. This way, they have coverage but at a much lower cost.
In your situation, you are moving to a busy city with vibrant public transportation and you have already thought through and seem comfortable with your options. You can get car insurance quotes online to see different rates for NNO policies. If they seem too high, you might want to cancel your policy. “

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