UPDATED: Mar 13, 2020

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our car insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different car insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Written By: Laura BerryReviewed By: Melanie MussonUPDATED: Mar 13, 2020Fact Checked

Suppose you have a car which is stored the majority of the time. You only take it out once a month to drive it around the block and keep it running, or perhaps you only use it two or three weeks out of the year at your vacation home. Do you really need to keep car insurance on this car?

The answer is “yes,” but you might be surprised at how cheap you can get a policy which will protect you any time you drive the car, and  prevent you from being in violation of state ordinances regarding liability protection on automobiles.

Car insurance companies have long recognized that people who drive cars only occasionally, for a variety of reasons, are good insurance risks and have hastened to provide them with low-cost policies. Examples of people who drive infrequently might be older drivers who only take the car to the store once a week; collectors who only drive cars to car shows; and military service people who must store their cars for long periods of time.

No matter what your reasons for driving infrequently, you are in luck when it comes to finding cheap car insurance. There are several ways policies are set up for infrequent drivers, and you can easily choose which one is right for you.

Storage Car Insurance

If you car is stored and never driven, except to move it from one storage facility to another, for example, you might want to look at a true “storage” policy. These policies have very stringent requirements about what is covered and exactly how much the vehicle can be moved, but they are also usually the cheapest form of auto insurance available. These are good policy choices for stored or antique vehicles, as well. Be sure to talk to the agent about both liability coverage, in case someone is injured on or around the car, and comprehensive coverage which will take care of fire damage or theft.

If you do drive the car minimally, it is a good idea to look at one of two types of policies: collector car insurance and “pay-as-you-drive” insurance. While each type of policy serves a slightly different purpose, it is likely that one or the other will be perfect for your needs.

Collector Car Insurance

Collector car insurance, as the name implies, is coverage for those who have collectible or antique cars which are actually driven. There are several companies which specialize in collector car insurance: Hagerty, Grundy, and Chubb are just a few. Collector policies can be “agreed price,” which means you pay for a certain amount of coverage no matter what the car’s value, or it can be based on the actual value of the car. Most collectors urge their colleagues to go with agreed price insurance, because you can account for modifications and parts you have added to the car without the insurance company’s adjustor being involved and possibly denying your higher claim amount.

Pay as your Drive Insurance

Pay-as-you-drive insurance is based on the idea that, if you pay for a six-month premium with unlimited mileage, you are actually buying a lot of insurance you do not need. Instead, pay-as-you-drive policies calculate premiums based on the actual number of miles you put on your car in a given time period; the less you drive, the less you pay.

Pay-as-you-drive insurance policies have been springing up at several large insurers, and with today’s technology it is becoming easier to administer these types of policies. Progressive, for instance, has an “instant snapshot” feature which allows you to attach a wireless monitoring device to your car. Not only does it record your mileage, but it also records your driving habits, which can lower your monthly premiums. If you sign up for pay-as-you-drive with Progressive or another company, your premiums will be based on the amount you actually drive, not on a “set” amount for your age group, location, and car type. This can allow you to save significant money on your premiums during times you are not using your car.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.

A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

Full Bio →

Written by Laura Berry
Former Insurance Agent Laura Berry

Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. Through her years working in th...

Full Bio →

Reviewed by Melanie Musson
Published Insurance Expert Melanie Musson