 TITLE: Do You Have to Pay Auto Insurance When You’re Not Driving? CONTENT: If you won't be driving for a while, you might be considering several options for reducing your auto insurance costs.\n*   **Canceling your insurance**: Canceling your auto insurance altogether is generally not a good idea. In addition to it possibly being against your state laws, it creates a lapse in your insurance history, which could cause insurers to consider you a high-risk driver going forward. This will make it harder to reinstate coverage when you start driving the car again, and any coverage you do get is likely to be more expensive.\n*   **Suspending your insurance**: Some insurers and states may allow you to temporarily suspend your coverage. If this is an option in your situation, it's a better choice than canceling your policy. Suspending your insurance isn't considered a lapse in coverage and can reduce your costs.  \n    Keep in mind that once your comprehensive coverage is suspended, you won't be covered if your car is stolen, vandalized or crushed by a tree branch. If you're trying to save money on car insurance, do you want to risk having to buy a new car out of pocket if the old one is stolen?\n*   **Cutting back your coverage**: Reducing your coverage can save you money while ensuring you're still protected. Some insurers will let you cut back to comprehensive-only coverage. However, your insurer may require you to store the vehicle in an approved, secured facility, not just leave it in your garage or driveway. You may also need to file documents with your state motor vehicle department certifying that the car is not in use.  \n    If your car is paid off and isn't worth very much, you can save money by canceling comprehensive and collision insurance altogether. Just know that if your car is stolen or totaled in a fire or disaster, you'll be on the hook for replacing it. END