Car Insurance Can I suspend my car insurance temporarily instead of canceling it? Yes, you may have the option to temporarily suspend your car insurance instead of canceling it. By Insure.com's Editor | Updated on August 18, 2023 The page is part of the topic how to cancel car insurance Why you should trust Insure.com Quality Verified At Insure.com, we are committed to providing honest and reliable information so that you can make the best financial decisions for you and your family. All of our content is written and reviewed by industry professionals and insurance experts. We maintain strict editorial independence from insurance companies to maintain editorial integrity, so our recommendations are unbiased and are based on a comprehensive list of criteria. Yes, you may have the option to temporarily suspend your car insurance instead of canceling it. This option is known as a car insurance policy suspension or car insurance hold. Key Takeaways Car insurance policy suspension, also known as a car insurance hold, allows you to temporarily suspend coverage instead of canceling it. Eligibility for suspension varies among insurance providers and is typically available when your vehicle won’t be in use for an extended period. During the suspension, your car remains uninsured, providing an economical alternative to canceling the policy; to suspend, contact your insurer, provide details, and plan for resuming coverage. Understanding temporary suspension Eligibility – Not all insurance providers offer this option, and eligibility requirements may vary. Typically, you can only suspend coverage if your vehicle won’t be in use for an extended period. Purpose – Suspending your insurance is suitable when you want to retain your policy but don’t need coverage during a specific period like when your car is in storage, traveling, or not using the vehicle for an extended time. Coverage pause – During the suspension period, your car remains uninsured, and you won’t have protection against accidents or damage. However, it’s an economical alternative to canceling and buying a new policy later. How to suspend your car insurance Contact your insurer – Reach out to your insurance provider to inquire about their policy suspension option and to check if you are eligible. Provide details – Be prepared to share information about the reason for the suspension and the expected duration. Resumption of coverage – Plan ahead for when you want to resume coverage and discuss with your insurer the process for reactivating your policy. Conclusion If you don’t need car insurance coverage temporarily, you may have the option to suspend your policy rather than cancel it. Check with your insurance provider to see if this option is available, understand the conditions, and ensure you have an alternative plan in place for protection during the suspension period. In case you missed it Best Car Insurance Companies of 2023 Car insurance rates by state: The most expensive and cheapest states for car ins... What is Full Coverage Car Insurance? A complete guide to car insurance costs for seniors A complete guide to adding a teenager to your car insurance policy What to do after a car accident that’s not your fault Total warfare: What to do when your auto insurer totals your car Car insurance claims: Who gets the claims check? Buying and insuring a used car: Most and least expensive models to insure in 202... The Best Car Insurance for Bad Credit of 2021 The best car insurance companies for speeding tickets Car insurance after a DUI Guide to Car Insurance Discounts Proper insurance coverage for college-bound children How to read (and actually understand!) your auto insurance policy Car Insurance Companies New driver insurance grace period: What you need to know How much do insurance agents make Autonomous cars: 5 delightful and 5 distressing things Busted! Part 1: How insurance companies spot bogus claims Insurance options for rideshare drivers 10 things that are illegal but shouldn’t be 1/1 Get instant quotes now ! Please enter valid zip Get Quotes