Can I store my car, turn in my tags, and switch to non-owner FR44 to save money?
Yes — if you genuinely won't be driving the vehicle and you turn in the tags, you can switch from an owner FR44 policy to a non-owner FR44 policy. Non-owner FR44 is significantly less expensive, and it keeps your 3-year clock running. The key is ensuring continuous coverage during the switch.
How to Make the Switch
- Turn in your tags — Return your license plate to the DHSMV. This takes the vehicle off the road officially.
- Purchase a non-owner FR44 policy — The new policy must be active before the owner policy cancels.
- Cancel the owner policy — Only after the non-owner FR44 is in place and the new certificate is filed.
Why This Saves Money
Non-owner FR44 only covers liability when you drive vehicles you don't own. Because it doesn't cover a specific vehicle, there's no need for comp/collision, and the base premium is lower. If you're not driving and don't need the vehicle, this can cut your monthly cost substantially while keeping the 3-year FR44 clock running.
When You Get the Car Back on the Road
When you're ready to drive again, switch back to an owner policy before registering the vehicle. Same rules: new policy active before old one cancels, no gap in coverage.
Call (855) 678-6977 — we handle both the switch to non-owner and back to owner when you're ready.
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