Driving a car is a necessity for many people in the Ft. Worth, TX area. Most people that drive a car in this area are aware that they will need to have auto insurance in place at all times while they are driving. However, there are situations in which you do not necessarily need to have auto insurance on your car.

You Won’t Drive It

One situation in which you will not need to have car insurance in place is if you do not plan on driving your car. If you plan on having a car that will simply sit in your garage or sit in a storage unit, you do not necessarily need to have the minimum liability coverage. However, if you cancel car insurance when your vehicle is in storage, you could create a gap in your insurance history and will not have any coverage if the vehicle is damaged. Further, if you do take the car out of storage, you need to make sure that you have liability coverage in place the second it hits the road. 

No Loan on the Vehicle

Another situation where you may not need auto insurance is if you do not have a loan. If you have a car that is going to simply sit in storage and is not collateral for any type of loan, there will not be a loan agreement that will require you to carry insurance. 

If you have a car in the Ft. Worth, TX area, the team at Main Street Independent Insurance will be able to help you to get a reliable insurance policy. When you meet with the team at Main Street Independent Insurance, you will receive help in picking a policy that provides you with the right level of protection. We also serve residents in Colorado as well.