Should I cancel my auto insurance since I am not driving anywhere due to COVID-19?

Since the pandemic started, I have been working from home. I just found out that I will not be back in the office until spring of 2022. To save money, can I just cancel my auto insurance? Will there be any negative repercussions if I do?

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.
“It can be very tempting to cancel your car insurance when you aren’t driving your vehicle for long periods of time. Here are some reasons why you might not want to.
Even though you aren’t driving to the office, do you still go out to get groceries, see friends or family occasionally, or for doctor’s appointments? If so, you will need insurance for these short trips.
Having continuous coverage is a rating factor, so even a small break in coverage will increase your rates moving forward.
Check with your carrier to see if they can lower the annual mileage of your vehicle since you aren’t driving.
You can remove collision insurance from your vehicle if it is paid for and put the coverage back on the car later. Or you can look into having a storage plan where all coverage is removed except comprehensive insurance. “

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