If I have a car in the state of Washington, but I won't be driving it, do I still need car insurance?

Question

I have 2 cars and I just need one, but I don't want to sell the other one just yet, so it's staying at my in-laws place. Since I won't be driving it, I'd like to avoid having to pay car insurance on that car if possible.

Answer 1

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Answer 2

Buy a laid-up car insurance policy (comprehensive) so it is covered against vandalism and theft.  More than one person has thought an unregistered vehicle is covered by the home policy and been surprised when they had a total loss, no coverage.

The car must be in running order to avoid being classed as a derelict, unless it is out of sight on the property.

Answer 3

Some cities require any vehicle parked in the city limits to be licensed even if not driven, and to be licensed you must have insurance.

Besides, what if someone ran into it.  What if it caught fire?  What if the brakes failed and it rolled into the street and hit a car?  Wouldn't you rather have insurance covering those what ifs?

Answer 4

No, you dont need insurance on a car you dont drive, however noone else can drive it either. They would need you and them on the nsurance if the car is going to be used.

Answer 5

For auto insurance the quickest method to get a cheap quote is do a auto policy comparison. Be sure to choose the same coverage levels, you can get an fast quote to compare against others. Use the same zipcode, car make and model, mileage and driving history to make sure you get an apples to apples comparison. To get fast auto insurance quotes, go to http://www.easyautoinsuranceguide.com/Wa... and you can compare all the major auto insurance companies.

Answer 6

You would have to see what Washington's laws saw, or whether your city or county has laws.  Look at a worst-case scenario:  What if it's stolen?  The insurance may not give you near enough money to replace it, but what they'll give you will usually be of more benefit than writing off the "loss due to theft" on your income taxes.

We had a vehicle that wasn't being driven and our insurance company had a reduced-rate policy that kept it protected just in case someone hopped in it to run up to the grocery store a couple of times a year.  Ask yours if they offer the same kind of policy.

Answer 7

many insurance companies have storage or parked insurance for cars like that.  my dad gets it through allstate.