The short version
- Some policies can reduce coverage for stored vehicles, and some states require continuous coverage.
- Do not cancel entirely without asking, since gaps can be a problem.
- Keep the car safe from weather and theft.
Why ask
A car that is not driven has different risks than one that is on the road. Insurers sometimes offer a lower level of coverage for storage.
Registration rules
Some states require liability insurance whenever a vehicle is registered, even in storage. Your state motor vehicle agency can tell you the rule.
A checklist
- Ask your insurer what coverage is available for storage.
- Tell them where the vehicle will be kept.
- Plan when to return the full policy before you drive again.
At the other end
Before driving a stored car again, restore the policy to full coverage and check registration, tires, battery and brakes.
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