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Adding Car Insurance Back to a Stored Vehicle

Written by Michele Wilmonen. Posted in Research Last Updated: 03/30/2016

Don’t forget to add the car insurance back on before you hit the road again.

car insurance on stored vehicle

Don’t forget to add car insurance back to your stored vehicle

With the weather getting nicer it’s time to bring back out those beautiful summer vehicles that you stored for the winter.  But, before you get too excited and take that vehicle for its first drive of the season you need to make a call to your insurance company or insurance agent. You don’t want to be enjoying your drive and have to deal with a no insurance ticket if you end up getting pulled over.

Adding Car Insurance for a Stored Classic or Antique Vehicle

If you have a classic or antique vehicle, you already know that your car insurance is not quite the same as everyone else’s. Your comprehensive and collision coverages are based on a stated amount and not an industry averaged cash value. So each year that you bring your vehicle out of storage and put car insurance back on it, it would be a good idea to update the stated value of the vehicle. You may have made improvements to the vehicle over the winter while it was in storage, your vehicle may have aged enough that it changed from classic to antique or your vehicle may have decreased in value for some reason while in storage.

Regardless of the reason, you want to review the stated value of your vehicle when you go to put insurance back on it.  If you don’t have an updated amount, you will be paying too much for the insurance or won’t get enough from the insurance company if you total your prized vehicle.

Adding Car Insurance Back for a Stored Regular Vehicle

If you have a regular vehicle that you put in storage over the winter months for whatever reason, simply call your insurance company or agent and tell them you need to put insurance back on that vehicle. It’s easiest if you stick with the same coverage that you have on your other vehicles, but if you have to call your insurance agent or insurance company anyways, it would be a good time to review what coverage you have on your vehicles. Take off or decrease coverages you don’t really need or add coverages that you think would make life easier if something were to happen.

Also, don’t forget to contact your state to re-register your vehicle (if you unregistered it when it went into storage) at the same time you get your car insurance put back on your normally stored vehicle.

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Michele Wilmonen

Michele’s first introduction to insurance was working for a major insurance company as a file clerk and a mailroom supervisor in a regional office. She learned insurance directly from underwriters and claims adjusters from questions and also watching them do their job. Since then, she’s earned a number of insurance certifications from the Insurance Institute of America and also a Bachelor’s degree from the University of Idaho. She blogs at Car Insurance Guidebook.

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