{"id":3068,"date":"2026-04-10T14:25:00","date_gmt":"2026-04-10T21:25:00","guid":{"rendered":"https:\/\/blog.answerfinancial.com\/?p=3068"},"modified":"2026-04-10T14:25:04","modified_gmt":"2026-04-10T21:25:04","slug":"insurance-tips-for-taking-your-car-off-the-road","status":"publish","type":"post","link":"https:\/\/blog.answerfinancial.com\/insurance-tips-for-taking-your-car-off-the-road\/","title":{"rendered":"Insurance tips for taking your car off the road"},"content":{"rendered":"

You may be considering taking your vehicle off the road and into your garage. If so, there are a few insurance tips you should be aware of regarding your garaged vehicle.<\/p>\n

Let\u2019s start off saying that you just want to park your car without revoking your registration and\/or insurance coverage. For instance, you might have a valuable car that you still wish to insure against theft or damage that might occur while parked.<\/p>\n

Whether you are looking to insure your car, truck or RV, you may have an alternative to an all-or-nothing approach to insuring your vehicle \u2013\u00a0removing your liability and collision coverage<\/a>\u00a0while maintaining your comprehensive coverage.<\/p>\n

There are a couple of key reasons why this is probably the best way to go. First, letting your insurance lapse can significantly raise your insurance rates over the long term as insurance companies often do not offer the best rates to those without prior (i.e. existing) insurance. Additionally, if you do not have comprehensive coverage and something happens to your car while parked such as fire or theft, you will have to cover those expenses out of your own pocket.<\/p>\n

There are a couple of things you may want to consider when maintaining comprehensive-only coverage. If you remove collision and liability coverage, some states your insurance company will alert the motor vehicle authority that you have removed coverage. Your state\u2019s motor vehicle authority (the Department of Motor Vehicles or DMV in many states) may contact you to find out why you removed your coverage without officially taking your car \u201coff the road.\u201d They will most likely require you to prove that you are not driving your car (which of course, could be a hassle).<\/p>\n

Another downside to just maintaining comprehensive coverage is that you cannot legally drive your car without liability coverage. So, if you plan to drive your car for even one minute, keep your full coverage.<\/p>\n

If you have no intent on moving your car and want to make it non-operational (thereby skipping any potential conflicts with your DMV), remember that you may be required to turn in your license plate and\/or cancel your registration when your car is non-operational. Even if you do make your car non-operational, you may be able to keep your comprehensive coverage to protect your car while it sits. We suggest discussing this option with your insurance provider.<\/p>\n

One last insurance tip \u2013 even if your car is kept in a garage, you should understand that it may not be covered by your home insurance. For instance, if your garage collapses onto your vehicle, even if you do have home insurance, your car may not be covered under that condition.<\/p>\n

Who is Answer Financial?<\/strong><\/p>\n

In order to avoid a potential increase in your auto insurance due to lapsed coverage, or a high out-of-pocket expense due to unforeseen circumstances while your vehicle is garaged, check with the experts Answer Financial to understand your available options. On our website, you can\u00a0review auto insurance quotes side-by-side<\/a> from top-rated insurers, purchase policies and save often. If you have any questions, our licensed agents are standing by on chat or by phone to help. Our customers report saving an average of $677 a year on insurance.*<\/p>\n","protected":false},"excerpt":{"rendered":"

You may be considering taking your vehicle off the road and into your garage. If so, there are a few insurance tips you should be aware of regarding your garaged vehicle. Let\u2019s start off saying that you just want to park your car without revoking your registration and\/or insurance coverage. For instance, you might have…<\/p>\n","protected":false},"author":22,"featured_media":7620,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[422],"tags":[119],"class_list":["post-3068","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-auto","tag-auto-insurance-2"],"ic_custom":{"author_name":"AnswerFinancial","medium_thumbnail":"\"evening","author_link":"https:\/\/blog.answerfinancial.com\/author\/answerfinancial\/"},"yoast_head":"\r\nInsurance tips on taking your car off the road and how it could cost you<\/title>\r\n<meta name=\"description\" content=\"Insurance tips on what to ask your DMV and insurance company when considering taking your care off the road.\" \/>\r\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\r\n<link rel=\"canonical\" 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