{"id":3003,"date":"2022-11-23T15:01:25","date_gmt":"2022-11-23T21:01:25","guid":{"rendered":"https:\/\/going-places.thegeneral.com\/car-storage-insurance\/"},"modified":"2025-08-27T10:04:32","modified_gmt":"2025-08-27T15:04:32","slug":"car-storage-insurance","status":"publish","type":"post","link":"https:\/\/www.thegeneral.com\/going-places\/blog\/car-insurance\/car-storage-insurance\/","title":{"rendered":"Do You Need Insurance for Your Stored Car?"},"content":{"rendered":"\n

There are multiple instances when you might need to keep your car in storage. Maybe you\u2019re going on an extended trip which won\u2019t require a car, or maybe you keep your car in storage during the winter. Whatever your reason, you still need insurance for your stored car. However, you can <\/span>save on your premiums<\/span><\/a> by reducing your coverage where you can until you\u2019re ready to use your car again. Read on to learn what insurance you need while your car is in storage and how to keep everything affordable. <\/span> <\/span><\/p>\n\n\n\n

What Is Car Storage Insurance?<\/span><\/b><\/h2>\n\n\n\n

Technically, there is no official car storage insurance. Instead, the phrase is used to refer to the lowest amount of coverage that stored or unused cars require. This type of insurance is also referred to as parked-car insurance or comprehensive-only insurance.<\/span> <\/span><\/p>\n\n\n\n

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How Do I Get Car Storage Insurance?<\/span><\/b><\/h2>\n\n\n\n

If you know your car is going to be sitting in storage or in your driveway for a period of time, you can call your agent and ask them to reduce any unnecessary coverage without violating your local laws. Depending on your state, you may be able to drop your insurance to liability-only coverage. Read our blog about <\/span>liability coverage<\/span><\/a> to learn how it works. <\/span> <\/span><\/p>\n\n\n\n

If you want additional coverage, you can keep comprehensive-only coverage on your vehicle. <\/span>Comprehensive insurance<\/span><\/a> will cover you if something happens to your car while it\u2019s sitting in storage or in your driveway. This includes theft, hail, fire, falling trees or branches, and more. Some carriers will only approve your request for comprehensive-only coverage if you plan on keeping your vehicle in storage for an extended amount of time, usually 30 days or more. <\/span> <\/span><\/p>\n\n\n\n

Why You Need Insurance on a Stored Vehicle<\/span><\/b> <\/span><\/h2>\n\n\n\n

While it\u2019s tempting to forego insurance on a stored vehicle, maintaining it is recommended for a variety of reasons:<\/span> <\/span><\/p>\n\n\n\n