Do I Need to Buy Insurance for a Car That Won't Be Driven for a Long Time?

[Levi]

During the period when the vehicle is parked, you may choose not to purchase compulsory traffic insurance, but you absolutely must not drive it on the road. Here is the relevant information: 1. Types of insurance: The compulsory traffic insurance emblem, annual inspection emblem, and annual road and bridge toll emblem. The insurance emblem is an oval-shaped, built-in emblem issued by the insurance company to the policyholder, proving that they have purchased compulsory traffic insurance for motor vehicles. 2. Regulations: According to China's 'Traffic Management Law,' all vehicles must purchase auto insurance from designated departments before being driven on the road. Driving without auto insurance is strictly prohibited. Auto insurance is divided into compulsory traffic insurance and commercial insurance. Even if commercial insurance is not purchased, you can still drive on the road.

[McValentina]

I remember a time when my car sat unused for almost a year in the driveway—I debated skipping insurance to save money. But it turns out, in many places, you can't just drop it completely because local laws often require basic liability coverage even for stationary vehicles, to cover things like vandalism or fire. Plus, unexpected events like a storm toppling a tree onto it could cost thousands out of pocket. I now use 'storage insurance,' which is way cheaper than full coverage and protects against those kinds of risks while parked. Always check with your insurer for options, as uninsured cars can lead to registration headaches and fines later on. For peace of mind, it's smarter to keep a minimal policy and save on potential disasters.

[Ariana]

Frankly, I’ve been there—thinking why pay for insurance if my car’s not moving? But it’s not just about driving; risks like theft or a stray baseball smashing a window can happen anytime. I spoke to my agent and found pay-as-you-go plans for parked cars that cost pennies compared to normal rates. Skipping it might save cash short-term, but you’re gambling big time. For instance, if it’s damaged and uninsured, repairs could wipe out any savings. Also, in some states, letting insurance lapse affects your rates when you restart. I weigh the costs: a few dollars a month is better than huge losses.

[DelKinsley]

As a car enthusiast who once stored a vintage model for months, I learned insurance is crucial. A neighbor’s kid rode a bike into mine, leaving a dent, and without coverage, I paid for it myself. Minimum liability or comprehensive plans handle that easily and keep your registration valid where required. If parked long-term, add battery maintenance like trickle charging to avoid dead cells. Overall, protecting your asset with affordable options beats regrets later.