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Should I keep auto insurance on my car if it's just sitting in a parking garage?
I work from home now due to the pandemic. I have a car, but I never drive it. I was going to give it to my sister, so I'm not sure if I still need insurance on it. Should I keep the policy on it until my sister gets it, at least?
Eric Schad · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
That answer primarily depends on whether you’ll be getting another car in the future. If you cancel your car insurance now, you’ll experience a lapse in coverage—which can result in higher premiums when you buy car insurance down the road.
So if you do plan to get another vehicle in the near future, it’s best to maintain coverage for now until your sister can add the car to her own insurance policy.
In the meantime, you can always opt for a storage plan. Car storage insurance (otherwise known as “parked car insurance” or “comprehensive-only coverage”) is a reduced coverage option that can lower your rates without leaving your parked or stored car defenseless.
Essentially, car storage insurance is an auto policy that only includes
comprehensive coverage
. This type of coverage will protect your car from perils like fire, theft, and vandalism—the main threats to a vehicle that’s not being driven—and it may be cheaper than having a standard liability policy.View full answer
- Gregory R.
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