Most lenders in the state will require that you have coverage for physical damage. And if your vehicle is fully paid for, but has significant value, it's still wise to add it. Comprehensive and collision coverage can pay for the repair or replacement of your car in the event of an accident, theft, or any other damage as a result of a covered incident. 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. 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. During your progressive quote, you won't be able to select car insurance coverages that don't apply to you.
We charge a higher rate for customers who are more likely to file claims and a cheaper auto insurance rate for customers who are least likely to file claims. However, the vehicle must be regularly parked at your residence overnight for Progressive to insure it in your policy. 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. Next, contact your insurance company to temporarily suspend all or part of your insurance coverage for the period you are not going to drive.
This information is not an insurance policy, does not refer to any specific insurance policy, and does not modify any provision, limitation, or exclusion that is expressly stated in any insurance policy. You can change insurers at any time, even if you just renewed your policy with another insurance company. Drivers interested in the Progressive Snapshot Discount program have the option of testing the device for 30 days to evaluate potential savings or to obtain a quote from Progressive Insurance through McClain Insurance. You can pay for your car insurance policy by credit card, PayPal, online check, personal check, money order, or electronic funds transfer (EFT) from your checking account.
If a household member will no longer be driving your vehicle, you can exclude them from your car insurance policy in most states. For example, if a driver has several accidents or violations on their motor vehicle report that have a negative impact on the cost of your insurance, excluding them from your policy could reduce your car insurance rate. If you lend your car to someone and that person causes an accident, Progressive may cover some of the damages they are responsible for.