Here's why:
* Liability: Your car insurance policy covers you for damage or injury you cause to others, even if your car is parked. If someone is injured or their property is damaged by your parked car (e.g., a tree falling on it), you'd be covered.
* Comprehensive and Collision: These coverages protect you from damage to your own car, regardless of who is at fault. Even if your car is parked, it could be damaged by fire, theft, vandalism, or other events.
* State Requirements: Most states require all car owners to have at least minimum liability insurance, regardless of how often the car is driven.
However, there are some exceptions:
* Storage Coverage: Some insurers offer "storage coverage" for cars that are not being driven. This is typically cheaper than a full policy.
* Cancellation: In some cases, you might be able to cancel your policy entirely, but you'll need to check with your insurer about the specific requirements and potential penalties.
* Non-Owned Car Coverage: If you have a car that is not being driven but is registered in your name, you might be able to get non-owned car coverage, which is typically cheaper.
It's important to speak with your insurance agent to discuss your specific situation and explore all your options. They can help you determine the best coverage for your needs and budget, even if your car is not being driven regularly.
