If I buy another vehicle with no intention of using it for 9 months, do I still need to get auto insurance on it? Theft /Fire covered by homeowners?

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Mar 28, 2016

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Insurance Question from Allouez, WI

Asked on 03/28/2016

If I buy another vehicle with no intention of using it for 9 months, do I still need to get auto insurance on it? Theft /Fire covered by homeowners? I would keep it stored in my garage until next January 2017. Why would I pay for 9 months of insurance if I won't be driving the vehicle?

Answer given on March 29, 2016

If you have a car that is garaged and will not be used for an extended period of time, you can have the insurance suspended by your insurance company. If the insurance company does not allow this, you can cancel the insurance on the vehicle and reinstate it when you decide to start driving it. However, if you decide you need to use the car, you must call your insurance company before you drive it. It is unlikely they will reinstate the insurance for just a day or two, you will have to insure it for a minimum amount of time.Even if the car is garaged, if there is a fire or theft from the garage, your homeowner insurance will NOT cover the car. Automobiles are specifically excluded from homeowner insurance. If you are worried about fire & theft, ask your insurance company to insure the car for physical damage only since it will not be operated. Most insurance companies will do this.


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