The snow and cold have settled in, and you may be wondering if you need to insure your car you’re storing for the season.
The temperatures have dropped, and the snow has begun to fall, making it time to pull out your sled, skis, boots, and bibs. This winter season means more than just hot cocoa and hanging around the fire. For many car lovers, it means that the time has come to store their summer vehicle for several months.
Many people with summer cars opt to store them during the colder, wetter months. This is a great way to avoid weather damage and keep their vehicles safe. So, if you aren’t using your car, is there a reason to insure it? The short answer: Yes!
We’re taking a deeper look into the reasons why below.
Do You Need to Insure Your Car That You’ve Stored?
Did you know that dropping your car insurance could end up costing you a lot more money in the long run? Here’s how it could affect you:
Prices Could Go Up — Insurers consider a gap in insurance coverage to be risky behavior. Their thought process is: if you aren’t driving, you are probably out of practice, and the chances of accidents are greater. This typically results in insurance premiums going up a considerable amount. It won’t be long before you spend more on higher premiums than you would have if you had just kept your coverage.
Accidents Happen — Just because you have stored your car and are not actively driving it doesn’t mean that accidents still can’t happen. If your vehicle becomes damaged, such as a snow-laden branch breaking through the garage roof and landing on your car, or a bucket of paint falls on it, or the side doors get scratched, you’ll want insurance to help cover repair costs.
What Are Your Options?
If you want to insure a vehicle you plan to store and wonder what your options are in terms of insurance coverage, ask your insurance provider about storage coverage. After all, if you’re not driving it, why should you have collision coverage? If you genuinely are not going to drive your car and leave it stored for the entire season, lowering your coverage is a reasonable option to consider.
Storage coverage policies drop all of your coverage except for comprehensive coverage, making it incredibly affordable. Just remember that it is illegal to drive your vehicle with this type of insurance. So, it only makes sense to opt for this kind of insurance if you are confident you will store your care for the entire season. If that’s your plan, ask your insurance provider about your options.
Need to Insure Your Car? Contact Bear River Mutual Insurance Today!
If you are looking to insure your car or need another type of insurance, give Bear River Mutual Insurance professionals a call! Our experienced and knowledgeable team can help you find homeowners’ or health insurance or coverage for your vehicle or business that meets your specific needs within your budget. We have three convenient locations in Northern Utah in Orem, Provo, and Salt Lake City. Contact our team of experts to receive your free quote today!