Are there any restrictions on what type of activities you can do with a policy from progressive car insurance bellevue?

You may be able to suspend some or all of your car insurance if you're going to be off the road for an extended period of time, depending on the state and the insurer. Comprehensive and collision coverages are optional across the country, so you can remove them at any time if you don't have a loan or lease for a car. Depending on your state, you may need to file an affidavit of non-use to notify your state that you will not use your vehicle on public roads. Car insurance is mandatory in every state except New Hampshire (New Hampshire still requires financial responsibility if you cause an accident, so you'll want to be properly insured).

Driving without insurance can result in a fine, license suspension, or even jail time. Progressive, and most other insurers, will ensure that any policy you select meets your state's requirements. Car insurance covers damage to your vehicle and protects you financially if you're responsible for someone else's injuries or damages. During your progressive quote, you won't be able to select car insurance coverages that don't apply to you.

Once your insurance is in order, contact your state's BMV or DMV to verify that your car registration is still valid and send all the necessary documentation with your updated insurance details. If it's been a few months since you received your quote, the rates in your area may have been revised, which could decrease or increase the price you pay for your car insurance policy. However, drivers who choose not to purchase auto insurance must show that they have sufficient funds to meet the state's financial responsibility requirements (PDF) in the event that they cause an accident. The main reason car insurance is mandatory in almost every state is because of your personal liability (liability) if you cause an accident.

Your auto insurance company can pay for vehicle repairs, medical expenses, and any damage or injury you cause to another driver. If you plan to take your car off the roads for some time and don't have a lease or loan, you can suspend some car insurance coverages to save money, without completely canceling your policy. Car insurance works as a guarantee for your financial well-being and that of your vehicle in the event of accidents, thefts, or other incidents beyond your control. A basic car insurance policy won't cover wear and tear, people who drive your car regularly but aren't listed on your policy, or driving on a rideshare platform.

However, before you decide to temporarily suspend car insurance, remember that some coverages, such as comprehensive coverage, can protect your vehicle even when you're off the road. By requiring specific liability insurance for victims of an accident caused by you, they can receive financial help for injuries and property damage without seriously affecting their own financial well-being. If you lend your car to someone and that person causes an accident, Progressive may cover some of the damages they are responsible for. Don't take your car out of the warehouse until all of this has been resolved; if you're caught driving without proper insurance coverage or without a valid registration, you could be fined.