How to Insure a Car You Rarely Drive

It’s no secret that car ownership is on the rise. In fact, according to The Huffington Post, nearly one-third of Americans now own cars. And with the increase in car accidents, it’s important to have a plan for ensuring your vehicle is safe. One way to do this is to insure your car—a process that can be easily handled if you know what to look for. In this post, we’ll outline some of the key things you need to consider when insuring your car. From liability coverage to collision coverage, read on to learn everything you need to know about car insurance.

Get a comprehensive vehicle insurance policy

If you only use your car for weekend getaways or to shuttle children to soccer practice, a less comprehensive policy may be a better fit. Comprehensive coverage includes liability, property damage, and collision coverage. If you drive your car regularly and have an accident, comprehensive coverage can help pay for damages, including lost wages if you are injured in the crash.

A good rule of thumb is to purchase at least $50,000 worth of liability insurance per person and $100,000 worth of property damage insurance per vehicle. Collision coverage should also be adequate for most drivers. Some states require more coverage than what is included in a typical policy. You can check with your state’s department of motor vehicles to see if you are required to have additional coverage.

Compare rates and find the best policy

When you’re shopping for car insurance, rates can be confusing. But don’t worry – we’re here to help! Here are four ways to compare rates and find the best policy for you:

1) Use our simple rate comparison tool. Enter your zip code to see quotes from top carriers.

2) Check with a trusted friend or family member to get an idea of what they pay. This is a great way to get a ballpark figure before looking into more specific rates.

3) Compare quotes based on your driving history and vehicle type. For example, if you mostly use public transportation or bike lanes, your rates might be lower than someone who drives frequently in rural areas.

4) Don’t forget safety features! Some policies provide greater protection for drivers such as having collision forgiveness or coverage for people in wheelchairs.

Keep your registration up-to-date

If you rarely use your car, it’s a good idea to keep your registration up-to-date. This way, if your car is stolen, the thief won’t be able to drive it without being registered and paying taxes on it.

To keep your registration up-to-date, you need to:

1) Take your car in for its required annual inspection.

2) Verify that the odometer reading is accurate. If it’s not, have it fixed as soon as possible.

3) Complete any required safety inspections, such as those for seat belts and airbags.

Drive defensively

If you only drive your car occasionally, or if it’s in a garage or a spare driveway, be sure to have comprehensive insurance for your vehicle. If you’re ever involved in an accident, having coverage will help pay for damages and injuries.

Some factors you may want to consider when choosing insurance for your car include:
-The type of vehicle: Car insurance is typically more expensive for heavier vehicles like trucks and SUVs than it is for cars.
-Your driving record: Injury claims can increase exponentially if you have a history of accidents.
-The age of the vehicle: Old cars are often more reliable but also tend to require higher rates due to their age and mileage.