Bill Quickel's - Insurance Plus Agencies Inc. Blog |
 Owning a vehicle is a big responsibility. Even if you never take it out onto the road, it tends to be a good decision to maintain proper auto insurance on it. This can help protect your investment. However, the laws on this differ from one state to the next. A vehicle not on the road may not legally have to have coverage. But, what should you do? Protecting the Value of the Vehicle Perhaps you plan to park a car in the garage for a few months to a year. You want to keep it, but you do not plan to drive it. In this case, you may not legally need auto insurance. But having it can prove to be very important to you. For example, if someone breaks into your home and damages the vehicle, you want to be sure you have coverage for it. Storm damage can also occur. With comprehensive car insurance, you have protection in place for it. Protecting Valuable or Classic Vehicles Most drivers should maintain a policy on their valuable older car. Antiques and vintage cars tend to have significant value. And, it is harder to obtain parts to make repairs on them. For this reason, your policy should reflect the value of the car and the way you use it. Most classic car auto insurance policies are affordable. You can choose a low mileage policy. This can reduce your costs significantly. Is There a Chance Someone Will Take It onto the Road? Another risk occurs when someone does venture out onto the road with the car. For example, a driver in your home may decide to see if the car still runs well. They get behind the wheel. And, they collide with a telephone pole. Worse yet, they may cause damage to someone else’s vehicle. In these situations, it is always wise to have a comprehensive policy, a collision insurance policy, and general liability coverage. Even just five minutes on the road can make it worthwhile. If you are unsure what is right for you, discuss your options with your auto insurance provider. Find out what type and level of coverage is best for your situation. In many situations, your agent can work with you to find cost-effective car insurance. These policies can reflect the limited amount of time you operate the car. Blog post by: ITC
12 Comments
Vickie blankenship
10/17/2020 05:51:00 pm
my sister has a car but doesn't have a license. Can she get it I sure and tagged for so.eone else to drive her If you own a car, you are doing not need non-owner automobile insurance , since your liability coverage will generally cover you if you borrow or rent another person’s vehicle. This isn’t always the case, though, so it’s knowing confirm your policy’s details together with your insurer. 4/17/2021 04:11:19 am
This is really appreciated that you have presented this data over here, I love all the information shared. It will be very helpful to understand the if you own a car but dont drive do you need auto insurance. Great post to share!! 4/23/2021 02:01:05 am
I loved your blog and thanks for publishing this content about if you own a car but don’t drive do you need auto insurance!! I am really happy to come across this exceptionally well written content. I like how you have researched and presented these exact points so clearly. Thanks for sharing and look for more in future!! 5/22/2021 11:43:48 pm
Nice topic! Some of our clients wondering why do they need an auto insurance. Knowing that an insurance today is affordable, there's no reason why you don't get yours! Having a car is a lifetime investment but also includes a sense of responsibility. 8/5/2021 11:16:00 am
It’s good to have insurance of car for safety even if you don’t drive your car. 8/30/2021 07:51:32 am
I'm glad you talked about the importance of having car insurance even if your vehicle stays at home. Recently, my brother said he purchased a classic vintage car. My brother's always loved those kinds of cars, and he wants to make sure his car would be protected against theft or accidents, so I'll suggest he gets it insured. Thanks for the advice on car insurance and how you must get one. 12/26/2021 06:45:45 am
Antiques and vintage cars tend to have significant value. And, it is harder to obtain parts to make repairs on them. I truly appreciate your great post! 1/2/2022 06:58:23 am
Auto insurance is a contract between you and the insurance company that protects you against financial loss in the event of an accident or theft. In exchange for your paying a premium, the insurance company agrees to pay your losses as outlined in your policy. 4/27/2023 08:33:09 am
Even if you own a car but don't drive it, you may still need auto insurance. Most states require drivers to carry a minimum amount of liability insurance, and failure to do so could result in fines or legal trouble. Additionally, even if the car is not being driven, it could still be damaged or stolen, and insurance would provide coverage in these situations. It's important to speak with an insurance agent to determine the best coverage options for your specific situation. 8/8/2023 04:12:14 pm
Yes, because if your car suddenly explodes over night and you damage nearby property you'll have to pay for it, just as example. Or, if someone vandalizes your car while it's parked you'll need auto insurance to cover the costs. The good news is some insurance companies will offer "parked insurance" which is usually only $30 a month to cover these kind of things. The staff at Kamloops Towing tows a lot of uninsured parked cars so we always recommend this. Leave a Reply. |
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