I've been living in a different state for a year now and left my car at home so i drooped the insurance on it why pay it if it's just going to site right. A month or two later i got a letter from the DMV wanting to know why this car has no insurance bla bla saying they want the plates back and the letter signed by a friend that knows the car isn't being used and that this has to be notarized and that i have to pay fines if this isn't done so I did all that few months later i went home for a month so i got my insurance back so i could drive again.

Now i'm back away from home and my insurance is due again i have to pay it or i will have to go do all that again with the DMV so my question is isn't there some type of vacation insurance or something that i can do? My insurance agent says no.

I will be going back home again and staying i am just waiting for a house to be built. The reason i keep going back and forth is a long distance relationship. :love:

We've had a policy "suspended" by our agent on a car that wasn't going to be used in the winter. There is a limit as to how long the policy can be suspended but I can't remeber the timeframe but it's gone 3-4 months with it's policy suspended. I would check with other agents to see what they say. Rules vary from state to state.

The basic rule in most states is that if the car is licensed it has to be insured. So the only way you could legally drop insurance on it is by turning in the plates; the DMV then will give you a form releasing the obligation. And then you have to re-register when you're back. Kind of a hassle unless you're talking about months at a time.

Assuming, based on the story jennyb told, that she's in a state with that kind of requirement, the problem isn't getting the insurance company to cooperate, it's that the state will fine her if she drops or suspends the insurance -- just like last time.

Depending on the car and whether you have a lienholder, though, you could try reducing the insurance to the minimum amount while you're gone -- but of course you might already be there.

Have a trusted good-driver friend who needs a car? Rent it out while you're away!The reason i keep going back and forth is a long distance relationship. :love: My long distance relationship/car sad story: A couple of years ago I bought a new car, and kept the old one too for awhile. I decided to sell it, but it was only worth a couple grand... so I gave to my LDR. And I left it registered to me, still with NY plates and on my insurance because every time we did visit in either place we were way too busy with other stuff to bother with paperwork.

Of course then a few months later she rolled the car over and totalled it. It was towed from the scene to a junkyard, who wanted $300. The county where it happened wanted $125. I called the towing place/junkyard and they agreed to just keeping the car instead of the money.

So I delayed a few days and then called my insurance agent to cancel coverage on that car. We can't do that, he said, unless you have the form from the DMV saying that the plates have been turned in! So I called the junkyard back to Michigan again; they had no idea what happened to the plates! I had to file a police report, reporting the plates missing, and take that report to the DMV to get the release.

The moral is, no good deed goes unpunished. Though of course this one was also greatly rewarded.

Jennyb,

When I had a camero and a truck, I would store the camero during the winter. Storage could consist of in a garage, or in a driveway with car cover. As long as it was not driven, and protected from the elements, my insurance company gave me a significantly lower insurance rate. It basically covered if the car was stolen, or damaged in storage. But you would have no coverage if you drove it. Don't know if that is available to you or not, but thought I would mention it.

svdorr

sounds like a good idea you don't happen to remember what the insurance people call it do you? My insurance guy seems to be cluess about this.

Jennyb,

I believe one option was called storage and transit insurance. However, they may require the vehicle to be stored in an approved storage facility.

Another option which might apply is to drop insurance coverage to comprehensive (damage to vehicle) only, and raise your deductable(maybe). When dropping the liability (won't be needed, as you won't be driving), that should cut the premium significantly. I don't know who your insurance agent works for, but if is unable to provide any type of solution, I would shop around. I've had MSI insurance for 11 years, and have been very happy.

Items that may prevent the option above:
-State laws
-If the vehicle is new and you have a loan out. Most lenders require full coverage at all times while you still owe them money.

I hope this helps