Whether you're driving in Ireland, Spain, or anywhere else, regulations and requirements vary for temporary international car insurance abroad. That's why it's best to get a car insurance policy abroad that's specific to the country or countries you're visiting. Insurers are leftover line companies and are not backed by any state insurance guarantee fund if they become insolvent. The PAA and Progressive are not responsible for the choices of insurers or coverages, the policies issued, the claims, the content or operation of other people's websites, or how others handle or use your information.
Every state requires auto insurance companies to declare how they calculate rates to customers, and insurers cannot deviate from these presented rates. You may be able to suspend some or all of your car insurance if you're going to be off the road for an extended period of time, depending on the state and the insurer. However, the vehicle must be regularly parked at your residence overnight for Progressive to insure it in your policy. We charge a higher rate for customers who are more likely to file claims and a cheaper auto insurance rate for customers who are least likely to file claims.
If you keep your car for an extended period of time, suspending car insurance could save you money. However, drivers who choose not to purchase auto insurance must show that they have sufficient funds to meet the state's financial responsibility requirements (PDF) in the event that they cause an accident. Some companies may even offer insurance at no additional cost, but keep in mind that international car insurance coverage offered through credit cards doesn't meet the insurance requirements of some countries. The main reason car insurance is mandatory in almost every state is because of your personal liability (liability) if you cause an accident.
Whether it's the heavy traffic of Windy City or the notoriously cold winters, Prairie State drivers need reliable auto insurance. You can change insurers at any time, even if you just renewed your policy with another insurance company. Refer consumers seeking auto insurance in Mexico to a surplus line broker (International Insurance Group, Inc.