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finder.com's rating: 5 / 5
★★★★★
optional
Roadside assistance
New car protection
Accident forgiveness
States served | Ohio |
---|---|
Roadside assistance | Optional |
Accident forgiveness | No |
New car protection | No |
Pay schedule | 12 months |
Claims methods | online, phone |
Rideshare coverage | No |
SR-22 support |
No |
Anti-theft device discount | No |
---|---|
Bundling discount | Yes |
Defensive driving discount | Yes |
Good student discount | No |
Loyalty discount | Yes |
Homeowner discount | No |
Military discount | No |
Safety device discount | No |
Special employment discount | No |
Usage-based discount | Yes |
Review by
Sarah George is a writer at Finder who unravels complicated topics about insurance, business and finance. She's been wordsmithing for nearly five years, after earning an English education degree. Her insurance know-how has been featured on CarInsurance.com. You can usually find Sarah sipping hot tea and talking through movie plots in her downtime.
Pact has an inventive model that uses technology to streamline your account while letting you pause coverage, similar to a temporary storage policy. It’s easy to use and could save you time and money by letting you skip coverage when you don’t need it.
However, make sure to follow state insurance and parked car laws while using this unique insurance. It would be easy to forget your coverage is paused just for a quick trip to the grocery store. And the coverage is only available in one state at the moment, so you might want to wait until this type of coverage has been vetted a little more.
The company offers a streamlined application process. To apply:
You only need a few pieces of information to apply, including:
Pact whittles down the coverage bells and whistles, leaving you with the basic options. Coverage includes:
Pact keeps its service in line with the digital age, offering benefits such as:
Pact pause lets you pause coverage while keeping comprehensive coverage in place, if you have it. You’ll receive up to 10 pauses per six-month term and can schedule a pause for two to 14 days. When you need to drive your car, you can unpause coverage through the app.
Pact pause is ideal for cars you don’t drive much, like a convertible you only drive in the summer, a classic car you only drive to shows or a car your college kid only drives when they’re home.
The pause removes important coverage for legal driving like liability and underinsured motorist, so you shouldn’t use your car during this period or you could be flagged for driving uninsured.
You could save by pausing your coverage, but you should know the downsides of using this feature.
Most states require insurance to register a car, drive or park on public roads. That means your unused car will need to sit in your driveway or garage while your coverage is paused.
When you Pause, your policy is active, but driving-related coverage is not. This means you’re technically insured and your policy is active, since you and your vehicle are named on your policy. However, as your driving coverage have been removed, you are not covered for any driving-related incidents with the vehicle during this time.
Pausing your insurance might also violate the terms of your car loan, since many lenders require both collision and comprehensive coverage.
Some states like California and Ohio also require an Affidavit of Non-Use registration to keep a car without insurance. You may need to check with state authorities about handling coverage for your unused vehicle.
Pact lets you file a claim through the app, or you can call a representative.
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