Many people travel. Some people travel for work. Others travel for vacation. No matter why you’re traveling, you won’t be needing to use your car. Therefore, why not save some money and put your car insurance on hold while you’re traveling?

Lots of people have had this thought. After all, there are lots of continuous services you can put on hold for travel and avoid paying for something you’re not using. Most internet and cable companies will let you put service on hold. The same is true for magazine subscriptions, monthly or weekly sample-box delivery services, and more.

Sadly, you can’t put your auto insurance on hold without canceling your insurance policy. This article will explain why that’s the case.

Are You Allowed to Place Your Car Insurance on Hold While Traveling?

Why Can’t You Put Your Insurance on Hold or Cancel the Policy?

There are actually some very good reasons why you can’t put your car insurance policy on hold. There’s also some very good reasons you shouldn’t cancel your insurance policy. We’ll cover those here. They come down to state registration, car loan companies, and insurance discounts.

State Registration

The first reason you can’t put your insurance on hold and that you shouldn’t cancel it is because of state registration. All 50 states require a car to have insurance for its registration to be active. Without an active registration, you can face steep penalties. These might include fines, but they could even include the suspension of your driver’s license.

There are some states where you can suspend your registration. However, these states only allow you to do so for very specific reasons. Most of them require the car to be non-operational for 6 months or more. If you’re traveling for 6 months or more, then this could work. However, few people travel for that long. This policy is mostly designed for people that need to make car repairs. The car can’t operate until it gets fixed, so the state gives you a break on registration.

Car Loan Company

The next reason why you can’t put your insurance on hold or cancel it is because of car loan companies. If you financed your car, then your loan almost certainly requires you to maintain comprehensive insurance on the car at all times.

That’s because the car is collateral for the loan. In other words, if you don’t pay the loan back, then the lender can take your car. They sell the car to regain the money they lost on the loan.

Comprehensive car insurance covers the full value of your vehicle. It also covers your car or truck no matter why it gets damaged. If your car is totaled, then the car loan company gets the insurance payout. That’s because a car loan puts a lien on the car. That means the loan company has first rates to any payouts based on the car.

The car loan company requires this to reduce the risk they face by lending you the money. Comprehensive insurance means that, no matter what happens to your car, your lender is protected for loss.

If you financed your car and cancel your insurance, then you could be in violation of your car loan contract. That can cause the loan company to repossess your car. It can also result in heavy fines or penalties added to your car loan.

Insurance Discounts

The final reason that you don’t want to cancel your car insurance is insurance discounts. Drivers get huge discounts from car insurance companies if they’re continually insured. There are several reasons for this.

All of the reasons why you get a discount for maintaining car insurance have to do with risk. The insurance company takes a risk by agreeing to cover your car. Your monthly premium payments are the reward they get for taking that risk.

Moreover, the value of your car is usually much more than the amount of money that you pay your car insurance company every six months. That means the car insurance company is placing an even larger bet on you.

If you’re continually covered, it tells the car insurance company two things. First, it shows that you’re likely to remain a customer for a long period of time. That makes the gamble they’re taking by insuring your car more profitable. Second, it tells the car insurance company that you’re good about paying your bills.

As a result, they can be confident that, not only will you be a customer for a longer time, but that they won’t have to cancel your plan for non-payment. They also won’t have to worry about you paying your bills on time. That means they aren’t facing as much risk. As a result, they can lower the price of your policy while still generating profits.

What Can You Do to Lower Your Car Insurance Bill While Traveling?

All of this doesn’t mean there’s no way to lower your insurance bill while traveling. The best way to get a cheaper bill when you’re not using your car is to contact your current insurance company. If you tell them that the car won’t be in use for however long you’re traveling, that will lower the annual millage you put on the car.

Are You Allowed to Place Your Car Insurance on Hold While Traveling?

Annual mileage plays a huge role in car insurance prices. After all, the farther you drive your car, the more likely you are to be in an accident. Telling the company that your car won’t be used for however long you’ll be gone lowers this mileage. As a result, your car insurance price should go down when you renew your policy. This won’t save you money immediately. However, it will save you plenty of cash in the long-term.

As you can see, there are good reasons why you can’t put your car insurance on hold while you travel. There are also lots of good reasons why you shouldn’t cancel your car insurance while traveling. However, you can use the fact that you’re traveling to lower your car insurance rates in the long-term. Use this information to get the best pricing on car insurance, and enjoy your travels!

 

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  • Georgia
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  • Kansas
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  • Kentucky
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  • Louisiana
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  • Michigan
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  • Minnesota
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  • Oregon
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