Question

Car insurance if I only drive part of the year

I only drive my car during the months of April to September. I don't drive it in the winter. Can I only insure it half of the year?

Mar 8, 2018 Hellam, Pennsylvania

Answer
Ava Lynch

Mar 8, 2018

You have a couple of options here. If you own the vehicle outright, meaning you don't have a loan on the vehicle or aren't leasing it, you can drop your coverage for the period you are not driving. By "drop coverage" we are referring to either cancelling your insurance altogether or reducing your coverage to liability only or storage. Each of these options have pros and cons. If you cancel your coverage, you lose the opportunity to grow an insurance history because you are continually cancelling and reinstating your coverage. This could result in a slightly higher premium (as a lack of an insurance history is considered a negative rating factor). If you drop coverage by reducing to liability only, you are legally able to drive your vehicle but you don't have any physical protection - your collision and comprehensive coverage. "Storage coverage" is probably the closest thing you're looking for but does have some risks. This coverage consists of comprehensive only - so only provides coverage to your vehicle against things like vandalism, theft, and weather related claims. This also means you are not legally able to drive because you do not have liability coverage. Depending on when your registration is up, you could also run the risk of getting your registration suspended. I don't recommend doing this type of coverage if your registration is up for renewal soon.

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