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Mask | Car Insurance should i cancel it because i have a trip? |
First of all my renewal of car insurance policy period is 7-11-07 to 7-11-08. But i have a trip to China in June 28 and there no one using the car. Also i;m wonder be back until Aug4.
Should i cancel it and renew after i come back? |
 |
 
Vol
|
Im in the military.
During a deployment away from home, I call and explain that I will be out of the country for an extended period of time. They reduce the coverage on the car because it will not be driven. It is much cheaper.
However, there is no way I would cancel it. Accidents still happen. A tree could fall on it, it could be hit by another car, a light pole could fall on it.
Dont take the chance that it wont happen and dont cancel your insurance. Call and explain what is going on, they can reduce your rates during that timeframe.
They have similar coverage for "show cars" that are not driven but could still sustain damage from things other than driving.
Good luck on your trip. |
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ßαßε
|
Don't cancel it, just reduce it to comprehensive coverage. Talk to you agent and explain it to them, and they can suggest what's best. I think it depends on if your car will be stored inside or out while you're gone. |
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la buena bruja
|
I might change the type of coverage you have on the car, but I wouldn't cancel the insurance. What if the car gets stolen? |
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Mae
|
No. If you were leaving for longer than a month, than it might be worth it. But you will probably spend the premium saved from 7-11 to 8-4 in starting a new plan anyways. Theres always start up fees. Not to menton that insurance is always a little higher when you haven't had continuous coverage for the past year. Whatever you do, definalely dont effective before 7-11, because whatever you have paid, you will only get a small percentage of it back...Not worth the hassle I think...besides, what if it gets vandalized while you are gone? |
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Caiman94941
|
Don't cancel your policy- renew it as usual, but do tell your
agent that you will have the car garaged for the month you
will be out of the country. You may or may not get a discount
for that, it depends on your insurance carrier. The main thing
is that you don't want to leave you car without coverage even
for a month. If you live in the USA, your state DMV will get
a notice if your insurance lapses, it could cancel your registration or fine you for having a car with no coverage.
Plus, what if something happens to your car while you are
gone? Maybe a relative or friend might "borrow" it-
if they have an accident, you could be liable. Or there could
be a car thief, a fire, bad weather, vandalism.....you need
your coverage to be current just in case. |
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Robert R
 |
Change to comprehensive insurance, in case there's a flood, and gets flooded, fire, theft, vandalism, or explosion...cheap too. |
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Phil
|
This is a bad idea. If there is a loan, you need to maintain physical damage coverage or the bank will do it and bill you. And in some states you can lose your drivers license for having a roadworthy vehicle without liability coverage. Not to mention the loss of renewal discounts, etc. It doesn't sound worth a months premiums. |
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j81s79j06
 |
You will only really be paying for the month of July that you won't be using it for. I guess it depends on how much it is. Maybe you could just drop it down to 3rd party (or equivalent if it's diff where you are). So if, by freak chance, someone should vandalise it, you will be covered. Ofcourse that depends on how secure it will be when you leave it. |
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SusieM
|
Car insurance is a requirement for driving in the US.
If you shop around and compare quotes, you can save a TON of money.
when i got my first policy i was just so anxious that I just used whatever my parents had.
Getting quotes online is quick and easy and way better than sitting on the phone.
Getting the cheapest policy is not always the best either.
Compare the options and rates from several places.
Any way you look at it paying car insurance is not fun!
http://insurance.deal4-you.com
Good luck. |
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browneyedgirl623
|
Call your agent and ask for coverage to be reduced to theft and fire only while you are gone. When you return, a single phone call can return your full coverage. We do this with my husband's sports car during the winter months. |
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mbrcatz
 |
It's probably a bad idea, but you need to discuss it with your agent.
Why is it a bad idea? Because you can't "renew" a cancelled policy. You'll have to reapply for coverage, and with a 30 day laspe in coverage (even for a good reason!) you'll likely be put in a high risk company. Because the insurance company will notify the state that your insurance has cancelled, and you could get a fine, and likely WILL have your tags revoked.
And if you have a loan on the car, you'd be violating the loan agreement to keep the car insured, and they'll slap forced placement coverage on you, which costs about 10X as much as you think you're going to save by not having insurance for one month. |
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tonalc1
 |
No. Companies frown on you having any period of time where you had no coverage (and could have possibly incurred a liability that has not yet been reported).
Add: If you're only going to keep one kind of coverage, make it liability, not comprehensive. |
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