If you own a vehicle that you do not drive regularly, such as a seasonal car, collectible vehicle, or a car kept in storage, your insurance needs may be different. Even when a vehicle is parked in a garage or storage location most of the time, it still faces certain risks and should remain insured.

At Safechoice Insurance Agency, we help drivers obtain auto insurance in Rochester, MN, that aligns with how their vehicles are used. Understanding coverage options for stored vehicles can help ensure you remain protected while avoiding unnecessary costs.

What Is Parked Car or Storage Coverage?

Parked car coverage, sometimes called storage or comprehensive-only coverage, is designed for vehicles that will not be driven for an extended period, typically 30 days or more. This type of coverage may be suitable for situations such as a child leaving a car at home while away at college or a vehicle being stored until it is ready for use.

Storage coverage is structured differently from a standard auto insurance policy and generally includes the following features:

• No liability coverage: Because the vehicle is not being driven, liability coverage is removed, meaning the vehicle cannot be legally operated on public roads.
• No collision coverage: Collision coverage is typically excluded since the vehicle is not in motion.
• Comprehensive coverage: Protection may remain in place for risks such as theft, fire, vandalism, and certain weather-related damage, including hail or flooding.

This type of coverage can be a practical option for vehicles that are not in use while still protecting against common risks associated with storage.

Learn More About Coverage for Stored Vehicles

Choosing the right insurance for a stored vehicle can help protect your investment while keeping costs manageable. Safechoice Insurance Agency provides auto insurance solutions in Rochester, MN, for a wide range of needs.

Contact us today to discuss whether parked car coverage is right for your situation and to learn how we can help keep your vehicle protected.

If you’re a Minnesota driver, you must purchase auto insurance. Some drivers prefer to work with an experienced insurance agent when shopping for insurance. If you live near Rochester, MN, our team at Safechoice Insurance Agency can be a valuable resource for insurance information. We’ve been working with Minnesota drivers like you since 2004.

Does Your College Student Need a New Policy?

When your teens are old enough to go to college, you may wonder if you need to make changes to your auto insurance policy. This is especially true if their college is in a different state. According to USAA, many states allow you to keep your college student on your policy as long as their primary address remains your home address. Check with the officials at the college, as they may know the state laws regarding out-of-state student drivers.

Keeping your college student on your auto insurance policy is often less costly than purchasing a separate policy for them. However, it also means that if they are injured at school, the legal consequences of the accident will affect your policy. Before making a decision, talk to one of our agents about your child’s college plans. You may want to get a quote for a separate policy before making a final decision.

Call Us Today for Your Appointment

Don’t take a chance by driving without auto insurance. Our team at Safechoice Insurance Agency will take the time to find a policy that provides excellent coverage at a price you can afford. Drivers in Rochester, MN, can depend on us for all their insurance needs. Call us today to schedule an appointment and let us ensure you get the right auto insurance.