Log in to your policy at any time to add or remove vehicles or drivers, change addresses, pay bills, and more. Depending on the company, you may be able to remove someone from your car insurance policy online or through an app. Some insurers may require you to contact a representative to remove a driver and provide proof that the driver no longer lives with you. Since companies may vary as to the exact process, check with your insurer for more details.
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 have enough savings to pay a higher car insurance deductible in the event of an accident, opting for a higher deductible will mean a lower premium.
You can remove a listed driver from your insurance policy if they no longer live with you and no longer drive your vehicle. 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. 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. If you keep your car for an extended period of time, suspending car insurance could save you money.
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. Removing someone from your car insurance policy may lower your overall rate, but it depends on several factors related to that individual driver. Next, contact your insurance company to temporarily suspend all or part of your insurance coverage for the period you are not going to drive. Depending on your state's regulations, you may be able to pause your car insurance if you're not driving for an extended period of time.
If you sell your car and no longer need coverage, your insurance company can send you a refund check if your policy is canceled before its term ends. You should avoid completely canceling your car policy if you plan to drive again in the future, as a lapse in car insurance coverage will likely result in a higher premium when you start driving again. Insurance refunds are usually issued through the same payment method that you use to pay for your insurance. If the insurance company cancels your policy, you'll normally get a refund from car insurance, unless they cancel the policy for non-payment.
Once you're ready to get your car back on the road, contact your insurance company to request the reinstatement of your coverages or policies. 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.