How to Insure a Car You Don’t Drive Often

Understanding how to manage coverage for an infrequently used vehicle can help you make informed decisions while keeping your policy aligned with your needs.

Consider the Type of Coverage You Need

Even if a car isn’t driven regularly, it still faces risks. Theft, vandalism, weather damage and other unexpected events can happen while the vehicle is parked. That’s why many drivers of low-use vehicles opt for comprehensive-only coverage. This type of policy typically covers non-collision-related incidents and may be a good fit for cars that are stored long-term or driven only a few times a year. It does not cover damage from collisions with other vehicles or objects.

If the vehicle is occasionally driven on public roads, liability coverage is usually required by law. In that case, a standard auto policy with reduced limits or a low-mileage discount might be appropriate.

Avoid canceling your insurance, even if the car is rarely used. Doing so could result in a lapse in coverage, which may lead to higher premiums in the future or complications when reinstating a policy.

Storage and Seasonal Use

If your vehicle is stored for part of the year, such as a convertible used only in summer or a truck parked during winter, you may want to explore seasonal insurance options. Some policies allow you to adjust coverage levels during off-months, reducing liability or collision coverage while maintaining comprehensive protection.

Proper storage can also influence your car insurance. Keeping a car in a locked garage or storage facility may qualify you for discounts or lower rates.

Learn More

If you’re unsure about the best way to insure a car you don’t drive often, contact Rate Crushers Insurance Brokers today. We can help you find a policy that fits your situation.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.