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Suspending Auto Coverage

Can I Put My Car Insurance On Hold?

Extra Mile Staff

Yes, you can certainly put your 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, The Extra Mile introduces you to important information about suspending your auto insurance. Consider each element before jumping into the change.

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20 Responses to "Can I Put My Car Insurance On Hold?"
    • 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?

      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!

    • 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.

    • 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.

    • 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.

    • 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.

    • 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

    • 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.

    • 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


        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.

    • 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.

    • 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.

    • 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.

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