Looking for part-time car insurance options? I spend half the year in the US and the other half living in France, which means my car is parked in the garage for six months. Is there any discount available for this kind of arrangement?
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Yes, there are options available for your situation! Many insurance companies offer discounts for vehicles that are not in use for a significant portion of the year. This could be categorized under “seasonal” or “occasional use” insurance. Here are some options you might want to consider:
Non-Owner Insurance: If your car is not being used, you could look into non-owner car insurance, which generally covers your liability if someone else drives your vehicle.
Comprehensive Coverage: Since your car will be sitting in the garage, you might only need comprehensive coverage, which protects against theft and damage while parked, without needing full liability coverage.
Notify Your Insurer: Contact your current insurance provider and explain your situation. They may be able to offer a reduced rate or make adjustments to your policy for the months when you’re not in the U.S.
Seasonal Policy: Some insurers provide policies specifically for vehicles that are used seasonally, significantly lowering your premium during the months the car is not in use.
Storage Insurance: If the car will not be used at all, you might consider a storage insurance policy. It typically covers risks like theft and fire while the vehicle is not on the road.
Make sure to shop around and compare quotes from different providers. It’s always a good idea to discuss your unique situation with an insurance agent to find the best coverage and discounts available. Safe travels!