Some motorists in the Canonsburg, PA area have cars that they don’t use for several weeks or months. For instance, you might travel overseas or own a convertible you don’t drive during the winter. The idea of pausing your auto insurance may sound appealing, but is it realistically possible to do so?
Coverage Requirements
If you borrowed money to buy a vehicle, the lender probably requires you to keep insurance in effect until you pay off the loan. Another issue is that auto coverage is required by Pennsylvania law for any registered car. If an auto isn’t insured, PennDOT will expect you to let go of your registration plate. You could face fines or other penalties if you don’t follow this rule.
Pausing coverage generally isn’t possible with most insurers that serve the Keystone State. You could cancel your policy and establish a new one when you start driving again. However, you’d have to spend time canceling the insurance, relinquishing your registration, re-registering the vehicle, and requesting a new quote.
Benefits of Staying Covered
Continuous coverage doesn’t only save time or help you avoid legal penalties. There are advantages to keeping insurance active even if you aren’t using your car. An auto isn’t entirely safe when it sits in a driveway, parking lot, or garage. Comprehensive policies cover some types of non-collision events, such as criminal activity like theft and vandalism. They often cover vehicle damage caused by fires as well.
Consult With Us
The Hansen Agency LLC can help you find the right policy for any vehicle, including cars that may not be used for long periods of time. Our knowledgeable agents serve customers in Canonsburg, PA and surrounding areas. Our independent agency can check the quotes and coverage levels offered by several different insurers. Reach out to us at The Hansen Agency LLC today.
