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Car Insurance for Inactive Vehicles

Car insurance for inactive vehicles is a special area of need for a specialized minority of drivers and auto owners, just like insurance discounts for business vehicles. Sometimes situations come up when you own a car and know for sure that it is not going to be driven for a certain period of time. When these situations come up as an auto owner, you still want to make sure that you take care of your obligations and carry the insurance necessary to stay within the law. Different states have different regulations on inactive vehicles, so it is important to research the specific guidelines in your home state. But generally speaking, there are ways to inexpensively insure cars in storage to protect them from risk while also saving money on your insurance coverage as an auto owner.

Insuring a Stored Vehicle

Most car insurance companies have specific recommendations on ways to frame auto policies for inactive vehicles that will not leave the garage or storage space for a given period of time. No matter whether you are going to drive your vehicle or not, it still needs to be insured against the risk of theft or damage. Just because you are not driving it doesn't mean that someone else won't. And there is always a risk of damage from fire or other event in the garage or storage unit where the vehicle is being kept, as there is with any car. So, comprehensive policies are pretty well necessary on cars of any value in this scenario.

Liability insurance is legally required for cars on the road basically anywhere in the country. But for cars in storage, auto insurance companies often have special policies they can offer that do not need to include liability. This can save you a lot of money as a policy holder. The specific provisions that are allowed or required can and do vary from state to state, but it is well worth looking into these types of plans if your car is going to sit idle for a while. It can help keep that car insurance bill down where you can afford it while protecting the car from risk.

And just as important is another benefit we might not always think of right off the bat. Keeping continuous coverage, even if it's non profit group auto insurance, as a driver helps you to keep your rates low when you do put the vehicle back out on the road. Some people shut their cars down seasonally, or when they go out of state or the country for an extended period of time. Military personnel on active duty often run into this situation. One day you're living on base domestically, and the next you get a letter saying you're shipping off across the globe. Car insurance is probably the least of your worries in this circumstance, but it is still something important to attend to. Make sure your policy reflects the fact that the vehicle will be in storage while you're away, and save some money in the process.

Legally Declaring a Car Inactive

It is essential to look into the legal maneuvers needed to declare a car inactive where you live. Your local department of motor vehicles is your best resource to get this situation straightened out. Stop by and explain what you're planning to do and how long you'll be gone. Change the status of your registration to reflect the car's inactive status. And of course, upon return make sure to go back and change that status back again before driving the stored car. Getting caught operating a vehicle that has been declared inactive can lead to very expensive and troublesome circumstances. And this would defeat the very purpose for going through all this trouble in the first place.

Find out what your state requires for inactive vehicles. Talk to some insurance companies and get prices on the policy you need in order to save the most money. Online quotes are usually the cheapest, so grab some free quotes using this site and see how much you can save. Every state differs when it comes to the requirements in place for inactive vehicles. Insurance companies selling policies in your home state should be familiar with the regulations where you live, but it is still smart to take a little time as a consumer to find them out for yourself.

It is worthwhile to note that drivers are free to carry more than what the law requires for inactive vehicle insurance. This is the same as it is for any car out on the road. It is good to know the basics and to understand what is required so that you can decide whether to surpass the minimum as an auto owner. Learn everything you can about car insurance for your inactive vehicle and save on your policy.


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