Some families have a few cars. Only because a family has a few cars does not mean that this family uses all of them. I heard somewhere that if you pay car insurance of a few cars you have, you can expect lower premiums. This can be a win-win situation for you as well as for your insurance company. Even if you do not use one or more cars you have, it is still not a reason to stop paying your premiums. If you choose not to pay premiums for the cars you do not use, you risk paying a lot more for the one car that you choose to pay your car insurance for.