How to Get a Garaging and Storing Discount

Not all car insurance companies offer a garaging and storing discount. Compare multiple companies to see who saves you the most for garaging or storing your car.

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Written by Rachel Bodine
Feature Writer Rachel Bodine

Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent Daniel Walker

UPDATED: Jun 16, 2022

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Things to Remember

  • At least six major auto insurance companies offer a garaging and storing discount to drivers
  • Most customers save 5% on their annual collision and comprehensive rates with garaging and storing auto insurance discounts
  • USAA discounts rates by up to 90% for military personnel if you park your vehicle in an approved location for over 30 days

Depending on your auto insurance provider, parking your car in a garage may lead to a garaging and storing discount on your auto insurance rates. Doing so keeps your vehicle safer and can save you money on auto insurance.

Typically, the discount is a minor 5%, especially for civilians. But USAA offers up to 90% reduction for military personnel and their families.

However, not all insurance companies offer this discount, and the discount amount varies. So, compare multiple companies if you’re looking for cheap insurance for parking or storing your car.

Keep reading to learn more about this auto insurance discount and determine if a garaging and storing deal is right for you.

What is a garaging and storing discount?

A garaging and storing discount rewards drivers with a rate reduction for being safer, more responsible customers. Your parked cars must be kept in a space approved by your insurance company to qualify for this discount.

Usually, only collision and comprehensive policies are reduced by this discount, not your liability auto insurance coverage required by most state auto insurance laws. So although the discount won’t apply to your entire policy, it still offers some savings.

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What auto insurance companies offer a garaging and storing discount to drivers?

While most insurers offer various auto insurance discounts, not all offer discounts for garaging or storing your vehicle. Be sure to explore options for car insurance discounts that you may also want.

You can earn a garaging discount on your auto insurance policy from six national providers. To verify if you already use a garaging and storing discount auto insurance company, check out a complete list of providers below.

Car insurance companies that offer a garaging and storing discount include:

  • Ameriprise Auto Insurance Company
  • Amica Auto Insurance Company
  • Farmers Auto Insurance Company
  • The Hartford Auto Insurance Company
  • Travelers Auto Insurance Company
  • USAA Auto Insurance Company 

Not every company is active in every ZIP code or available to every driver. Smaller, local agencies near you might also provide this deal to drivers. 

For example, USAA offers the most significant rate reduction, but it’s only available to active or retired military personnel and their families.

Civilian drivers save closer to 5% on their annual rates by earning this discount, a relatively minor reduction that might not lead to your lowest prices.

To secure your lowest auto insurance rates, compare quotes online from different companies and ask about additional discounts.

Why do auto insurance companies offer a garaging and storing discount?

Ultimately, fewer claims are filed and paid out when vehicles are parked and stored. In some ZIP codes, your risk of auto theft is higher than average, affecting car insurance rates and increased claims. Each year, 700,000 drivers fall victim to auto theft, according to the National Highway Traffic Safety Administration (NHTSA). One of the advantages of storing your vehicle in an enclosed, locked space is that it minimizes your chances of being part of that statistic.

Garaging and storing your car also reduces the risk of damage caused by street damage, severe weather, acts of nature, and vandalism. Only collision and comprehensive auto insurance cover the kind of damage to your vehicle that garages prevent.

How does garaging or storing your vehicle affect your car insurance coverage?

Learning how to file an insurance claim can help in many situations. Parking in a garage means you’re less likely to file insurance claims, which also helps keep your car insurance rates low. However, that’s not to say that minor damage can’t occur. 

Keep in mind that filing multiple claims each year can cause your rates to increase. Therefore, carefully consider whether or not it’s worth it to file a claim. It may be cheaper to pay for repairs yourself instead of paying higher insurance rates for about three years.

You shouldn’t cancel your car insurance while garaging or storing your vehicle.  

First, if your car is damaged, you’ll be left paying out of pocket for damages that occur while your vehicle is garaged or stored.

Second, your car insurance rates are higher after a lapse in coverage. Insurance companies like to see continual insurance and driving histories. Any gaps are considered suspicious and lead to higher rates.

Even though you may think you don’t need to pay for car insurance while your car is stored, you’ll pay more in the long run if you allow your coverage to lapse.

Are there other ways to save when garaging or storing your car?

Because auto insurance discounts often stack, ask about any additional savings available to you. For example, military or occupational discounts may go along with a storing discount.

Common car insurance discounts include:

  • Group or membership discounts
  • Military discounts
  • Multi-policy discounts
  • Occupational discounts

You may also be eligible for a low-mileage discount. While mileage varies by company, most insurance companies offer a discount if you don’t drive your car often.

Usage-based insurance will also save you money if you don’t drive a lot since you pay for each mile. This insurance offers typical coverage, but rates are generally lower.

Also, consider your coverage itself to save money. For example, while you shouldn’t drop car insurance, you may want to reduce coverage limits and raise deductibles. Doing so increases the amount you’ll pay out of pocket if your vehicle is damaged but lowers rates overall.

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Garaging and Storing Discount: The Bottom Line

Inform your insurer that you have a garage and ask about a garaging and storing discount. Each insurer has different garaging and storing discount requirements, so be sure to get specifics if you’re considering storing your vehicle.

In addition, you may qualify for other car insurance savings, such as military, occupational, and membership discounts. These discounts often go hand in hand with a garaging and storing discount.

Other ways to save money are switching to usage-based car insurance and adjusting your policy. However, while reducing coverage limits and raising deductibles saves money, dropping coverage altogether leads to higher out-of-pocket costs.

If your insurance company doesn’t offer a garaging and storing discount, consider changing insurers, especially if you’re storing your vehicle for an extended period. Compare multiple companies to see who saves you the most for garaging or storing your car.

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