Jessica Sautter is a Content Writer for CarInsuranceCompanies.com with a Bachelor’s Degree from Eastern Michigan University in Elementary Education with a Major in Reading and a Minor in Mathematics.

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Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience.

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Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager

UPDATED: Sep 28, 2020

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Key takeaways...

  • Take the time to learn about low mileage discounts as they can often save you 40 percent or more on car insurance premiums
  • Speak with your car insurance company about state laws and policy options
  • Some auto insurance companies allow you to suspend or reduce coverage for a period of time

When fall comes, you can expect a lot of migration to warmer destinations and not just from the birds.

Many older drivers split summer and winter between homes in places like California and Florida.

It’s critical to understand car insurance laws whenever spending time away from the principal place of your vehicle registration.

Use our FREE quote tool to compare auto insurance rates today!

Table of Contents

How much car insurance coverage do snowbirds need?

This will depend on some factors including what destinations you are splitting time between and how you will use your car to name a couple.

You want to treat car insurance coverage the same no matter how long you plan to spend time away. One attractive part of being a part-time resident, however, will be how much you use the vehicle.

Take the time to learn about low mileage discounts as they can often save you 40 percent or more on car insurance premiums which will leave you lots of coins for frozen drinks by the pool.

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What types of snowbird car insurance coverage are available?

Not many companies offer specific car insurance policies geared at snowbirds so what you need to do is understand the basic types of coverage available to all drivers and then try to find a system to customize for your needs.

The common types of car insurance coverage are:

The good thing about car insurance is some auto insurance companies allow you to suspend or reduce coverage for a period of time, so you can still maintain any car insurance required by law but limit your policy premiums to only the basics while you are back home.

How do I suspend car insurance coverage?

This will vary from state and on your unique circumstances. Let’s say you live in Florida during winter – What happens in the spring?

Do you plan on leaving the car in Florida or drive the vehicle back to your primary residence up north? Do you have a car loan in place?

While it is likely you can suspend your car insurance coverage, it can be a headache and many consumers may opt for a low mileage car insurance policy instead.

The best way to understand your options for suspending car insurance coverage will be to speak with your car insurance company about state laws and policy options.

Can I stop paying car insurance premiums when I go back home?

No. The purchase of car insurance is an obligation between you and the car insurance company for a defined period.

Should you ever need car insurance again, you might have to pay off any existing policy balance before a new policy is issued.

If you stop paying the car insurance premiums while the policy is enforced, your account may end up going to collections and impacting your credit score.

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Where can I find cheap car insurance for snowbirds?

Most warmer states are densely populated and enjoy very competitive markets for insurance.

Florida, for example, has over 100 licensed car insurance companies ready to provide coverage for most drivers.

Start a car insurance comparison search online and talk to a few companies about car insurance coverage for snowbirds today. Enter your zip code below for FREE car insurance quotes today!

References:

  1. https://www.allstate.com/tools-and-resources/car-insurance/liability-car-insurance-cover.aspx
  2. https://www.libertymutual.com/auto/car-insurance-coverage/collision-insurance
  3. https://www.statefarm.com/simple-insights/saving/these-7-factors-determine-car-insurance-premiums