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Question

Car insurance for vehicle stored in garage

My car is stored in my garage and haven’t been driven for 6+ months. Can I only buy parked car insurance, and can you give me a quote? I used to live in Allen, TX and still have a property there. My car is stored in the garage. But since I’m currently living in Washington state, I haven’t been driven the car for more than 6 months. In this case can I buy parked car insurance only, if possible, can you give a quote?

The car is a 2013 Lexus RX350. Please let me know if you need any more information.

Agent Answer

Ava Lynch

There’s a couple of things to think about here. First, there really isn’t anything called storage coverage. Below we listed the options you have:

  1. You can lower your coverage to just the minimum liability that the state of Texas requires to save money. Unfortunately, as long as the car is registered, you need to maintain insurance.
  2. If the vehicle is secured in the garage, you can remove coverage altogether. Bear in mind, if the vehicle is damage by an uninsured driver, you would have no coverage. If you have a loan on the vehicle, this will most likely be a violation of the agreement. You would risk have forced car insurance or collateral protection insurance placed on the vehicle which is typically very expensive.
  3. You can add storage coverage to the vehicle. This coverage, defined further here, only provides comprehensive coverage. The issue with this policy has to do with your vehicle registration. Texas actively monitors registration and thus this might not be an option for you.
  4. Consider usage based insurance programs. Root might be an alternative for you.

Best of luck. If you have any question or want a quote car insurance, see our guides here.

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