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Suspending Auto Coverage

Can I Put My Car Insurance On Hold?

Extra Mile Staff

Yes, you can certainly put your car insurance on hold, but there are some important considerations when suspending the entire policy. Between maintenance, gas, and insurance, owning a vehicle can be expensive; the good news is that you don’t have to keep paying for something if you don’t need it. Is your vehicle going to be out-of-use for a period of time? Consider reducing the coverage on your vehicle.

In the below infographic, Extra Mile introduces you to important information about putting your car insurance on hold. Consider each element before jumping into the change.

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86 Responses to "Can I Put My Car Insurance On Hold?"
    • DANNY PEREIRA | October 12, 2022 at 6:03 pm

      I have a car that sits in the garage most of the time .. maybe 3 months at a time . I just take it for maybe for a 30 mile run and then I park it again . Do I need to add the full coverage on it if I take it out everytime ?

      • Extra Mile Staff | October 13, 2022 at 7:44 am

        Hi Danny – Please call The Hartford’s auto customer service at 800-423-6789 and they will be able to assist you further. Thank you.

    • Richard McCausland | October 12, 2022 at 12:48 pm

      I inquired about this and its very misleading in NJ

      you MUST TURN IN YOUR REGISTRATION AND TAGS

      NO WAY WILL DO THAT

    • walter knych | October 11, 2022 at 2:21 pm

      under”EVERY THING I NEED TO KNOW” DOES NOT SAY I HAVE TO REMOVE MY UMBRELLA POLICY DO I OR DON’T I ???? PLEASE LET ME KNOW

      • Extra Mile Staff | October 12, 2022 at 7:18 am

        Walter – For questions about your specific policy and umbrella insurance, please give our customer service center a call at 800-423-0567. One of our representatives would be happy to assist.

    • David Keefer | October 11, 2022 at 7:14 am

      I use this service every year, you just need to make sure that the Representative you speak to understands the vehicle is suspended and not canceled, miss understanding does happen. It also helps to make sure they send you a conformation on line or in the mail. If nor do a follow up.

    • Patty A Buth | October 10, 2022 at 10:15 am

      We would like to suspend our coverage on the Escape. The car hasn’t moved in over a year.

      • Extra Mile Staff | October 11, 2022 at 7:37 am

        Hi Patty – To remove a vehicle from your policy, please contact our customer service center at 800-423-0567. Thank you!

    • Sandra Crowder | October 10, 2022 at 6:20 am

      I live inMichigan and need to put my 2007. Pontiac Solstice in storage until the spring. Will this satisfy the states requirement for written request?

      • Extra Mile Staff | October 10, 2022 at 9:51 am

        Hi Sandra – Please give our customer service center a call at 800-423-6789 and one of our representatives would be happy to assist you further. Thank you!

    • Patrick White | October 9, 2022 at 7:45 pm

      I have 3 cars insured with you. I am a big supporter of AARP and that is why I am with you. I have my home insured with you as well. I have full coverage on two of the cars I drive. I have comprehensive insurance on my third vehicle. What bothers me is that I was told that I have to have at least comprehensive on that third vehicle. I do not like it when companies or individuals tell me I have to do something. I have a very well built garage and it is detached from the house, which I should be getting a discount , and if I choose not to have comprehensive, that should be my choice. Now, is it true I have to have comprehensive on that third vehicle?

      • Extra Mile Staff | October 10, 2022 at 9:56 am

        Hi Patrick – Thanks for being a customer! For questions about your policy and comprehensive coverage, please give one of our customer service representatives a call at 800-423-6789. They are available M-F from 8 a.m. to 9 p.m. ET and Sat from 8 a.m. to 6 p.m. ET.

      • David Keefer | October 11, 2022 at 7:17 am

        Maybe they mean need to have comprehensive. Depending on your state you need to have some coverage so the state doesn’t cancel your registration. I think it’s a law.

    • Carol L Kerr | October 8, 2022 at 8:36 pm

      Is it possible to write the request to suspend coverage (MI) online?

      • Extra Mile Staff | October 10, 2022 at 9:57 am

        Hi Carol – Please give our customer service center a call at 800-423-6789 and one of our representatives will be happy to assist you further. Thank you!

    • Victor Thomas | October 8, 2022 at 6:55 pm

      I’m interested in the new newsletters

      • Extra Mile Staff | October 10, 2022 at 7:59 am

        Hi Victor – You can sign up for future newsletters at this link. Thanks for reading Extra Mile!

    • Leslie Flott | October 8, 2022 at 6:49 pm

      I will not be using my Mini Cooper nov1-April 1 how do I suspend my coverage on this vehicle

      • Extra Mile Staff | October 10, 2022 at 8:32 am

        Hi Leslie – Give us a call at 800-423-6789 and one of our representatives would be happy to assist you further. They are available M-F: 8 a.m. to 9 p.m. ET and Sat: 8 a.m. to 6 p.m. ET.

    • Lata Raizada | October 8, 2022 at 6:31 pm

      How often can you do this and the minimum period is 30 days or less. Please let me see. Thanks

      • Extra Mile Staff | October 10, 2022 at 9:44 am

        Hi Lata – Please give us a call at 800-423-6789 and one of our customer service representatives will be happy to answer your questions. Thanks for reading Extra Mile!

    • Robert Norman | October 8, 2022 at 6:29 pm

      Thanks for the information about putting my insurance on hold.

    • Josephia LaBarge | October 8, 2022 at 6:03 pm

      Make NO Mistake. In Louisiana if you fail to file a Statement of Non Use with Department of Motor Vehicles they will fine you and pull your license! When you want to reinstate your vehicle you will have to get your proof insurance card and take it in to them to re-instate the vehicle. I always make sure I file the statement of non-use a day before I pull insurance. I put insurance back on a day before I do a reinstatement.

      Welcome to Louisiana where things have to be different! End result is the same.

    • Steve Fleming | October 8, 2022 at 4:12 pm

      Please add OR to your states that need a signature to suspend for more than 30 days.
      These tips were very informative and I appreciate them thank you so much.

    • Roger Depinto | October 8, 2022 at 2:27 pm

      The jeep wrangler in our policy is not used at all during the month of November December January February half of March. it is garage kept and totally unused for that period of time every year. I feel certain this can qualify for putting my car insurance for the Jeep on hold for that period of time. Please let me know how we can proceed. Thank you, Roger Dipinto.

      • Extra Mile Staff | October 10, 2022 at 9:52 am

        Roger – To proceed with putting your car insurance on hold, please call one of our customer service representatives at 800-423-6789 and they will be happy to assist. Thanks!

    • Carroll Dodd | October 8, 2022 at 12:58 pm

      Our VW has been sitting in a Automotive School repair for educational purposes to have as a training tool since last 2021 August. It has an overheating problem and they have been troubleshooting this issue for us. It still is in the shop. Do We need Insuance

      • Extra Mile Staff | October 10, 2022 at 9:49 am

        Carroll – Please call a customer representative at 800-423-6789 and they will be happy to assist you with your questions. Thank you!

    • Marsha Prezioso | October 8, 2022 at 12:44 pm

      I will not be using my car for 32 days. Should I suspend my insurance?

      • Extra Mile Staff | October 10, 2022 at 9:40 am

        Hi Marsha – Please give one of our customer service representatives a call and they can help answer your questions. You can reach them at 800-423-6789 and they are available M-F: 8 a.m. to 9 p.m. ET and Sat: 8 a.m. to 6 p.m. ET.

    • carl mack barbee | October 8, 2022 at 11:33 am

      I only use my honda civic when i need to charge the battery,it is garaged,can you let me know my options on insurance.

      • Extra Mile Staff | October 10, 2022 at 8:40 am

        Hi Carl – Please contact one of our customer service representatives at 800-423-6789 and they would be happy to discuss insurance options with you.

    • Newell A Smith, Jr. | October 8, 2022 at 11:25 am

      I do NOT want to suspend coverage at this time. However, it is my understanding that if liability coverage is removed from a Louisiana registered vehicle, the insurer must notify the State which results in the State withdrawing registration on the vehicle. This is not desirable. Would you please advise if you in fact notify the State regarding liability suspension.

    • Russell Roof | October 8, 2022 at 10:35 am

      Our 2005 Saturn view is currently insured with the Hartford. We also own a 1982 Chevrolet 6.2 liter diesel truck. I rarely use the truck, a couple times a year. I was interested in insuring it for PL/PD how much is the premium?

      • Extra Mile Staff | October 10, 2022 at 8:38 am

        Russell – For questions about your policy, please contact one of our customer service representatives. They can be reached at 800-423-6789.

    • Kathryn Greeson | October 8, 2022 at 10:25 am

      I wish the online process was easier, it is really hard to find. I can only drive one car at a time.

    • Lynn McEnespy | October 8, 2022 at 10:19 am

      I have a 1994 968 Porche that is currently covered and licensed in Calif. It is not being driven as I am having it restored as well as engine work done. I dont expect it to be driven for several months. This car hasnt been driven for some time as it is not in working order. Could you please tell me how much my premium would be reduced to suspend this coverage? Please note – this would NOT affect the mileage of my other vehicles.

      thank you

      • Extra Mile Staff | October 10, 2022 at 8:23 am

        Lynn – For questions specific to your policy, please call one of our customer service representatives at 800-423-6789. They would be happy to help you and they are available M-F: 8 a.m. to 9 p.m. ET and Sat: 8 a.m. to 6 p.m. ET.

    • Bruce Hammett | October 8, 2022 at 10:09 am

      If I visit other Counties on an extended vacation, does my Hartford insurance cover me for rental car insurance while I’m driving in those Countries? Is that coverage comprehensive or limited?

      • Extra Mile Staff | October 10, 2022 at 7:48 am

        Bruce – For questions on rental car insurance coverage, you’ll want to contact one of our customer service representatives. They can be reached at 888-413-8970. Thanks for reading Extra Mile!

    • Sam abney | October 8, 2022 at 10:02 am

      Really good info, I have a corvette that sits most of the time , definitely considering doing this .

    • Gareth | October 8, 2022 at 10:01 am

      How many times per year can I suspend the insurance on a car? How many cars can I suspend at one time? How does payment work when suspend a car and take out of suspension?

      • Extra Mile Staff | October 10, 2022 at 8:19 am

        Hi Gareth – Please give one of our customer service representatives a call and they would be happy to answer your questions. They can be reached at 800-423-6789.

    • Allen Vollmer | October 6, 2022 at 5:52 pm

      What are the requirements to suspend your insurance in NY?

      • Extra Mile Staff | October 7, 2022 at 7:35 am

        Hi Allen – Give our representatives a call at 877-896-9320 and they can help answer questions about requirements and your specific policy. Thanks for reading Extra Mile!

    • Patricia Passmore | March 30, 2022 at 8:29 pm

      I’m in need of auto enrollment to pay my insurance.

    • LaVerne | February 2, 2022 at 8:57 pm

      I would like to continue my car insurance with Hartford but I just noticed that the withdrawal was not made for Jan. 2022. Can you help me get up to date with my insurance??
      My best,
      LaVerne

      • Extra Mile Staff | February 4, 2022 at 10:52 am

        LaVerne – Please give one of our customer service representatives a call and they can help answer questions about your specific policy. You can reach them at 800-423-6789 and they are available M-F: 8 a.m. to 9 p.m. ET and Sat: 8 a.m. to 6 p.m. ET.

    • David Dewayne Robinson | December 15, 2021 at 10:08 am

      Can you send me something and the mail about me and her claim from the Veteran benefits program? Thank You for the help Happy new year..

      • Extra Mile Staff | December 20, 2021 at 12:13 pm

        Mr. Robinson – It seems like you may be trying to reach AARP directly? You can give them a call at 1-888-687-2277 with your questions.

    • Patrick wallrich | November 11, 2021 at 12:01 pm

      Need to cancel or put a hold on my auto insurance will not be driving vehicle after the 17th of November please notify me soon to handle this

      • Extra Mile Staff | November 12, 2021 at 3:55 pm

        Patrick – Thanks for being a customer. To remove a car from your policy or put your car insurance on hold, please call one of our customer services representatives at 800-423-6789. They would be happy to help you and they are available M-F: 8 a.m. to 9 p.m. ET and Sat: 8 a.m. to 6 p.m. ET.

    • James V. Bingham | October 29, 2021 at 12:04 pm

      As of January 1, 2021, I contacted the Covid virus, was later hospitalized, and have not been employed for the year of 2021. Due to that my driving has been primarily to church, the doctor, and the grocery store. Can I get further credit for not driving to work in 2021? I was driving an average 12 miles/day round trip for 3 days/week in 2020.

      • Extra Mile Staff | October 29, 2021 at 1:54 pm

        James – For questions about your policy, please reach out to customer service at 800-423-6789. Representatives are available M-F: 8 a.m. to 9 p.m. ET and Sat: 8 a.m. to 6 p.m. ET. They can advise you on any car insurance discounts & savings you may be eligible for.

    • DORIS ANN SANTIAGO | October 2, 2021 at 7:12 pm

      Delete Dodge Dakota not running broke down unable to get parts. Not running for four months

      Thank You Doris Ann Santiago

      • Extra Mile Staff | October 4, 2021 at 8:29 am

        Doris – To remove a car from your policy, please call one of our customer services representatives at 800-423-6789. They would be happy to help you and they are available M-F: 8 a.m. to 9 p.m. ET and Sat: 8 a.m. to 6 p.m. ET.

    • Jeff Lessard | August 14, 2021 at 8:45 am

      I was in an accident that has put my car out of service for some time. I’m not sure about 2 things.

      1. towing
      2. rental car.

      i have comprehensive coverage and it seems from what I’m reading it is covered?

      • Extra Mile Staff | August 16, 2021 at 8:46 am

        Jeff – We’re sorry to hear about your accident. If you have your insurance with The Hartford, please call a customer representative from The Hartford and they will assist you. The number for AARP auto customer service is 800-423-6789. Thank you.

    • Colleen H | July 28, 2021 at 2:55 pm

      Hi, my car was sadly totaled and I plan to take some time finding a replacement. The Hartford rep. just walked me through suspending my auto coverage till I buy a replacement. Is it ok to drive friends cars ? And test driving private vehicles? Thanks

      • Extra Mile Staff | August 2, 2021 at 9:49 am

        Colleen – We’re sorry to hear about your car. For questions specific to your policy and what it covers, please call our Customer Service Department at 877-896-9320 and one of our representatives can assist you. Thank you.

    • Diana L Skidmore | June 12, 2021 at 10:05 am

      Please Cancel my car insurance as I am no longer driving.

      • Extra Mile Staff | June 12, 2021 at 1:23 pm

        Diane – To cancel your policy, please reach out to our customer service department at 800-423-6789. They are available M-F: 8 a.m. to 9 p.m. ET and Sat: 8 a.m. to 6 p.m. ET.

    • Carlos Omran | March 30, 2021 at 4:54 am

      I’m just so impressed with all these options which are not available anywhere else…
      It makes me wanna be honest with my insurance provider because they are actually
      offering me the most valuable insurance of peace of mind and at a minimum cost.
      A great value!… I just applied and hope that I can join…

    • Donna J. Moore | January 30, 2021 at 5:36 pm

      I have “gifted” my 2010 Prius as of Jan 30 to the Buddhist Temple here on Bainbridge Island. Please remove this car from my policy and refund the remainder of my fee either directly to my bank or to me.

      • Extra Mile Staff | February 1, 2021 at 8:58 am

        Donna – That’s great that you were able to donate your car. Please call our Customer Service Department at 877-896-9320 and one of our representatives can assist you further with your request to cancel.

    • JOHN BILLINGS | December 18, 2020 at 5:05 pm

      We have a home in Hawaii that we are at 1 month, twice a year. Is it possible for the car insurance to be on hold for 5 months before we return?

      • Extra Mile Staff | December 20, 2020 at 8:29 pm

        John – Please call The Hartford’s auto customer service at 800.423.6789 and they will be able to assist you further. Thank you.

    • Wayne Bias | December 8, 2020 at 4:22 pm

      My name is Wayne. I have two vehicles insured with you. I have a 2013 Chevy Spark 1 LT and a 1998 Ford Explorer. I have given the Ford Explorer to my grandson. It needs a lot of repairs and I can not afford to keep it. He wants to fix it up, put the Explore in his name and drive it. I gave the Explorer to him back in July 2020. I need to have the Explorer removed from my insurance. I should have done this back in July but I kept forgetting to do this. I also have a Chev Spark 1LT insured with you and I want to keep the insurance on it. If I have to call, I will have my daughter to talk for me as I don’t hear very good over the telephone. Should I write to someone or is it better to call a Customer Service Representative. Thank you, Wayne

      • Extra Mile Staff | December 8, 2020 at 4:32 pm

        Wayne – Thank you for being a customer with us. We appreciate your business! For your questions and to remove a vehicle from your policy, please contact our customer service center at 800.423.0567.

    • Norma L King | November 6, 2020 at 11:20 pm

      I want to stop my car insurance since Im not driving it. It’s the Oldsmobile 1994 I haven’t sold it . I don’t have the insurance no for it . Please do it now and how much was it for a month I know i paid 200.00 something a couple months and another last month. I can’t pay that every month since i am low income and pay for

      • Extra Mile Staff | November 8, 2020 at 9:09 pm

        Norma – Please call The Hartford’s auto customer service at 800.423.6789 and they will be able to assist you further. Thank you.

    • Gerald D Chaney | August 28, 2020 at 12:25 am

      Have been trying to contact you for over a week, want to pay my bill, but you won’t let me get into my app on new computer. On 27 Jul I had a stroke and have been in rehab for 3 weeks. Been home a couple of weeks. Can’t use right arm right now and can’t hear good in left ear as it’s plugged. If you could text me, instead of emailing or telephoning for awhile, I’d appreciate it. Please tell me how to get my new computer to accept you.

      • Extra Mile Staff | August 28, 2020 at 7:58 pm

        Gerald,

        We’re sorry to hear about your stroke and hope you’re feeling better soon. Unfortunately, we are unable to text you. Could you have someone assist you with calling our Customer Service Department at 877-896-9320 and one of our representatives can help troubleshoot your computer issue and get you setup.

    • Leonard Axelrod | June 3, 2020 at 9:46 pm

      I just saw an AARP Hartford commercial stating car replacement in the event of a total car loss accident. I had one. A buck hit my car. Hartford totaled it but didn’t offer to replace it. Your ads are misleading in my opinion.

    • Francine Anders | May 23, 2020 at 4:16 pm

      I requested removal of my car insurance March, 2020. I received the letter asking me to fill out an authorization letter which I did immediately as well as notified the Motor Vehicle. Due to Corona Virus everything seems mixed up. I received the same letter dated May 7 with another form just like the one I sent in. I am 90, have not driven my car from the beginning of the year. I can’t afford to pay any repairs or inspections so I will never need my car. Motor vehicle is closed but I sent them notice by mail. I hope that you discontinued my insurance in March as was requested

    • robert slawson | January 12, 2020 at 7:05 pm

      During to a prolonged medical hospital stay and bank auto-pay situation my Hartford A &H insurance appears to have become cancelled. I would now like to reinstate it.
      Robert Slawson

      • Extra Mile Staff | January 14, 2020 at 8:55 pm

        Hello Robert. Thanks for reaching out, I hope you are doing well after your hospital stay. Please call The Hartford’s auto customer service at 800.423.6789 and they will be able to assist you further. Thank you.

    • Sharon E. Mitchell | January 11, 2020 at 4:43 pm

      Since 2015 when I bought my car I have driven less than 5000 miles a year. Can I get a reduced rate on my policy?

      • Extra Mile Staff | January 14, 2020 at 8:50 pm

        Hello, Sharon. Thank you for reaching out. To discuss your policy and rates, please call a customer representative from The Hartford and they will assist you. The number for AARP auto customer service is 800-423-6789. Thank you.

    • Carolyn l teller | September 5, 2019 at 4:38 pm

      I would like to cancel my policy effective today. Please respond to my email address or call me at 303-781-5893.

      • Extra Mile Staff | September 5, 2019 at 6:02 pm

        Hi Carolyn, please call our Customer Service Department at 877-896-9320 and one of our representatives can assist you further with your request to cancel. Thank you.

    • Raymond Dobkin | February 22, 2019 at 8:23 pm

      I had been suspending my auto coverage with Hartford for years whenever I was away. It saved me substantial sums. However, for the last couple of years, when I call to suspend, the Hartford representative gets a pop-up on her screen saying that the state (PA) will be notified. Yet PA is not on your list of states that disallow suspending. It has made me reluctant to ” chance it ” since the penalty is quite severe. Is the pop-up simply a glitch? Can I still reduce my coverage down to comprehensive when I am away > 30 days?

      • Extra Mile Staff | February 26, 2019 at 6:04 pm

        Hi Raymond- whenever someone suspends their auto coverage, their state automatically gets notified. Every states regulations are different when it comes to suspending coverage. PA DMV requires you to turn in your plates during the time that your vehicle is suspended. We can suspend your coverage for you over the phone but we do have to advise you that the DMV will be sending you a letter shortly after the suspension advising that the plates must be returned or to pay a fine, or be subject to cancellation of registration.

    • William Flynn | August 31, 2018 at 2:11 pm

      I have a 2008 Chevy Silverado with 34,000 miles on it, obviously I don’t drive it much. Typically I know 24 hrs prior but there have been occasions I don’t have the preplanning. If I suspend coverage and find it necessary to drive it without 24 hour notice, is it still legal to drive in the State of Michigan (I understand this is with no collision coverage), and is there a way to expedite resuming collision coverage say with 6 or 8 hour notice? Is the low mileage factored in to premiums currently and if not can it be considered?

      Thanks,
      William Flynn

      • Hannah Sullivan | August 31, 2018 at 6:06 pm

        Hi William, this is a great question. It is illegal to drive without liability coverage, which is removed when your car is suspended. If you need to drive your car in less than 24 hours, please call our Customer Service department at 1-877-896-9320 and one of our representatives can help. Thanks!

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