While you are going away for sometime and not using the car you could lower your car insurance to only essential coverage. If it is not on the road you will not have crashes and for that reason the risk is reduced for the insurance firm. So the premium you pay should be reduced as well.
Let us make it sure that this only applies for motorists who would be locking away their car for a period of time. You would need to clarify with your state Department of Motor Vehicles (DMV) and your insurance company prior to starting the process. You might indeed need to keep the vehicle off the road completely. In other words, keep it in a private property ideally a locked garage.
Existing insurance company has to notify DMV when you drop the lowest cover imposed. That can result in problems for you because you seem to be driving without insurance as far as regulators are concerned. If you do not do this properly you may see fines sitting in your letter box when you return home.
So, you need to inform your local DMV office and complete a non-operational status form. By completing this form, you are telling the authorities that your car is not going to be driven and parked on the streets. So you really have to find a private place to keep your automobile when you are on travels.
Begin the task well in advance to make sure that your form is handled by DMV and you complete any other requirements in time for your trip. Almost all auto insurance companies would be able to reduce your cover to only fire and theft and reduce the cost nicely. You would receive enough savings for your efforts. You just need to ensure that everybody concerned knows the situation perfectly well.
Once you park your car safely, hand a key to someone you can. It could be smart to disconnect the battery or get the car running where it is for a while regularly so that it recharges the battery. The minute you arrive home convert the things back to remain within the law and have the required insurance coverage once more.
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