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Question

Do I need to maintain a car insurance policy if I don’t have a car?

I don’t drive or own a car, do I need to maintain a policy in case that changes in the future? Currently, by choice, I don’t drive, nor do I have a car. I was told that suspending insurance now will likely increase the cost of purchasing a policy in the future…is that true?

Agent Answer

Ava Lynch
That is true. Most companies look at your insurance score which includes how long you have been insured without a lapse. You can get a non-owners policy. A non-owners policy will cover you to drive in the event that you need to drive any car for any reason, you will be legal. This will also count as having continuous insurance. There’s no way of telling how much you will save by maintaining insurance when you do decide to buy another car. However, to ensure you are getting the lowest rate you want to maintain a policy. The other benefit is you will be legal to drive in case of an emergency or unforeseen circumstance arises. Good luck and luck and if you have any other questions, don’t hesitate to ask.

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