Can I not have car insurance while out of the country/not driving any cars?
2016-09-24 1:05 pm
Hello everyone. Not quite sure if this is a dumb question, but I have car insurance with Geico. my policy expires on Nov. 16 and my husband and I planned to renew it, but we will actually be out of the country from Nov. 13 - Jan 19. Can we not renew it, save a couple hundred dollars and then just get a new policy when we get back from Ireland? Again, not sure if this is a stupid question, any advice welcome! Thank you.
回答 (13)
2016-09-24 2:17 pm
✔ 最佳答案
Your question isn't nearly as dumb as most of the answers you've received, so obviously you're one of the smartest people in the room! Seriously, the answers were dumb, but your question wasn't.Instead of going completely uninsured (you are still responsible for your vehicles while you're away), ask Geico if they can remove all your coverage except Comprehensive (fire & theft) while you're gone. That will keep your policy in force, your vehicles will be covered if the house burns down or if they're stolen or vandalized while you're gone (criminals do look for houses that are unoccupied for several days / weeks), and it costs very little to just have Comprehensive. Then when you come back, instead of writing up a whole new policy, you just notify Geico that you're back from your trip and can they reinstate your normal coverage.
2016-09-26 1:24 am
Park it in the drive way or garage call insurance and explain it will be parked give them proof of of current mileage and mileage when you return and you should be good have a nice trip
2016-09-24 1:34 pm
As long as you do not have a lender (you own the car) and the car is parked on private property and not driven its your choice to insure or not insure the car.
2016-09-24 4:36 pm
You cannot both "save a couple hundred dollars" and "not renew". You can do only one or the other. You cannot save if you do not renew.
To "just get a new policy" costs much more, sometimes several thousand dollars more, than a renewal. Not renewing (and therefore having to pay more for a new policy) will cost more than renewing.
In those states where it is legal, Geico will allow you to keep your insurance policy at a lower price (but not free) during the time that you are not driving it. This allows you to save some money immediately, by paying a lower price than the regular renewal price, but more importantly to save a lot more money later by not having to get a new policy.
The discount for a car that won't be driven depends on what coverage you have. Collision and liability coverage are for crashes, which shouldn't happen if the car isn't driven. Comprehensive is mostly for theft, which is just as likely to happen when the car isn't being driven.
To "just get a new policy" costs much more, sometimes several thousand dollars more, than a renewal. Not renewing (and therefore having to pay more for a new policy) will cost more than renewing.
In those states where it is legal, Geico will allow you to keep your insurance policy at a lower price (but not free) during the time that you are not driving it. This allows you to save some money immediately, by paying a lower price than the regular renewal price, but more importantly to save a lot more money later by not having to get a new policy.
The discount for a car that won't be driven depends on what coverage you have. Collision and liability coverage are for crashes, which shouldn't happen if the car isn't driven. Comprehensive is mostly for theft, which is just as likely to happen when the car isn't being driven.
2016-09-24 4:22 pm
The car has to be off the street and in many cases not in an apartment parking lot
The DMV has to be notified of none op and probably your plates turned in.
On return you need to insure it and re register it getting new platrs.
The DMV has to be notified of none op and probably your plates turned in.
On return you need to insure it and re register it getting new platrs.
2016-09-24 1:53 pm
You'll have to notify your local DMV and probably turn in your license plates for the duration of the trip.
2016-09-24 1:16 pm
In most US State if your car is registered it is required to be insured. The penalties are quite stiff for having an uninsured, registered vehicle - check with your motor vehicle department. Some states the DMV and insurance companies are in lock-step and insurance cancellations are reported to the DMV.
2016-09-24 1:12 pm
I see no reason why you can't.
2016-09-26 1:03 pm
I'm with State Farm and I can call them and they will take a car and put it under "not operating" so I don't get charged, but my policy remains in effect. Then when the car is ready to drive again, I call and they activate it.
2016-09-25 2:18 am
Talk to Gieco about suspending your policy while out. If you just let it go, there could be ramifications.
2016-09-24 3:36 pm
It all depends on where your vehicle(s) will be during this time.
2016-09-24 1:07 pm
Hi so why not renew it before you go away.
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