How to Get a Garaging and Storing Discount

Through some auto insurance providers, parking in a garage leads to a garaging and storing discount. Six national companies offer affordable garaging and storing discount auto insurance to customers. Eligibility requirements and savings amounts vary by provider. Still, the average garaging and storing discount auto insurance rates through USAA are 90% cheaper for deployed military personnel. However, civilians save closer to 5% annually.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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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

UPDATED: Aug 25, 2021

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Things to Remember

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

Depending on what auto insurance provider you use, parking your car in a garage may lead to garaging and storing discount auto insurance rates.

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

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

After you learn how to buy garaging and storing discount auto insurance, remember to enter your ZIP code into our free rate tool above to compare accurate quotes from the best providers in your city.

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

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:

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 premiums by earning this discount, a relatively minor reduction that might not lead to your cheapest prices.

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

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What is a garaging and storing discount?

A garaging and storing car insurance discount rewards drivers with a rate reduction for being safer, more responsible customers.

Your parked cars must be kept in a space that is approved by your insurance company to qualify for this discount.

Each year, 700,000 drivers fall victim to auto theft, according to the National Highway Traffic Safety Administration (NHTSA). In some ZIP codes, your risk of auto theft is higher than average.

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.

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

So usually, only collision and comprehensive policies are reduced by this discount, not your liability auto insurance coverage required by most state auto insurance laws.

You must ask your insurance agent for this discount. Otherwise, your provider has no way of knowing if you’re even eligible.

The driver is also protected in a garage. For instance, you’re less likely to slip on ice when entering or exiting your parked car. This impacts health insurance more so than auto insurance.

Ultimately, parking in a garage means you’re also less likely to file insurance claims. Drivers are typically required to park in a garage to qualify for classic car insurance on vintage or collectible vehicles.

Can parking in a garage lead to higher premiums due to self-inflicted vehicle damage? This might include:

  • Indoor car fires
  • Carbon monoxide poisoning
  • Hitting the top of the garage with your trunk
  • Scraping your mirror

Fortunately, no, your auto insurance will not increase if you use a garage, but it could impact your homeowners’ insurance, especially if you bundle policies.

Filing multiple claims each year due to minor damage to your car can also cause your rates to increase.

How should you prepare your vehicle for garaging and storing?

To prepare your vehicle for storage, follow these steps:

  • Clean your car inside and out
  • Replace your oil
  • Fill up the gas tank
  • Leave the car on a jack
  • Connect your battery to a trickle charger

If the car must stay on the ground, do not leave your parking brake on, or the pads could fuse to the rotors. Instead, consider chock blocks.

Garaging and Storing Discount: The Bottom Line

When it comes to cheaper insurance for vehicle storage, inform your agent that you have a garage and ask about receiving this discount.

Garaging and storing discounts are ideal for deployed military personnel, students who do not bring their vehicles to college, and people living in cities with higher than average vehicle theft rates.

Because auto insurance discounts often stack, consider asking about the following deals to save even more money on auto insurance:

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

Now that you’ve compared affordable garaging and storing discount auto insurance quotes, enter your ZIP code into our free tool below to receive rates from the top companies in your region.

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Enter your ZIP code below to view companies that have cheap auto insurance rates.

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