What insurance coverage do I need for a car that is driven infrequently?

I only need a car in the winter months (upstate NY), and even then I drive very little. I have a 2012 Acura MDX, 45,000 miles. What coverage do I need on my policy?

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.
“Regardless of how infrequently the vehicle is driven, make sure that you have enough coverage so you are protected in the event of a loss.
It would be best if you had liability coverage limits that are significantly higher than the minimum requirements. New York also requires that you carry personal injury protection (PIP) coverage on your policy.
If you are not prepared to pay repair costs out of pocket, up to the value of your vehicle, you should consider maintaining comprehensive coverage and collision coverage on the vehicle as well.
Now, since you only need your car in the winter, a storage plan may be a great option for you. With a storage plan, once the car is parked, you can remove all coverage accept comprehensive coverage from your policy.
This will save a lot of money for you over the year. In NY, this means you need to surrender your plates every time you remove coverage.”

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