How do you freeze car insurance?

I’m looking to freeze my car insurance. How can I do this?

Although pausing or “freezing” your car insurance can be a good way to save money if you have an out-of-use vehicle, your options may be limited depending on why you’re pausing or if you have a car loan. If you still use the car at all, you will want to keep it insured to comply with state law.
If you’re experiencing financial hardship, insurers and other financial institutions can be lenient. In this case, try:
  • Requesting a coronavirus-related payment plan or delayed payments
  • Reducing your coverage
  • Removing yourself from a policy
  • Asking your loan company if you can keep comprehensive and collision coverage but suspend all other coverage on the policy. If you agree to turn your plates in so no one can drive the car, they may allow it
If you’re set on suspending your insurance and have other transit options, call your insurer. Some insurance providers only allow suspension coverage if you have more than one car on the policy. Other insurance companies, like GEICO, are much more lenient.
The benefit to freezing insurance is that you’ll have low monthly payments and should be able to avoid a lapse in coverage. If you want to keep your same coverage, though, Jerry can help you find a cheaper policy in minutes.
Will Baldwin
Answered on Nov 03, 2021

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