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Can I remove a vehicle from my policy if it is broken down?

I've got a car that isn't currently running, and we don't know if it is worth fixing or getting a new one. In the meantime, I don't want to pay for a vehicle that isn't being used at all. Can I just remove it from my policy while we decide?  

Dec 28, 2023 Pensacola, FL

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Beth Swanson

SEO Content Strategist

  • Licensed Insurance Agent — Property and Casualty

Beth joined The Zebra in 2022 as an Associate Content Strategist. She is a licensed insurance agent whose goal is to make insurance content easy to r…

Thank you for reaching out to The Zebra!

I would recommend keeping insurance on your vehicle even though it is inoperable. It will help you maintain continuous insurance which will help you get better rates in the future once you decide if you're fixing the car. Also, if your vehicle is damaged by flood, wind, falling trees, theft, and vandalism while it's parked, you'd still have coverage for your vehicle. You will want to reach out to your current insurance company and see if they offer storage coverage.

Storage coverage could be a great option for you while you decide what to do with the vehicle but isn't always available depending on insurance company requirements and individual state requirements. This option, sometimes called "parked car" or "garage" coverage, typically means you'll have only comprehensive coverage without liability or collision.

Ultimately, you are the one who has to decide to keep or cancel insurance on your car but keep in mind that Florida requires any registered vehicle to be insured. This means that you may need to suspend the vehicle registration, as well, if you decide to remove it from your policy. I would recommend contacting the registration office in your county for more information about the registration.

If you're simply looking to cut back on insurance costs, make sure you're asking your agent or company for discounts you may be eligible for. We can also get you a personalized quote and compare different companies and coverage options for you. Give our agency a call at 888-444-8949 to see how The Zebra can help.

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