Registering Vehicle Insurance
Yes, you can have car insurance in two different states, if you have multiple cars. Typically, it involves different policies.
People who spend part of their time in a second state often keep a vehicle there, and register and insure it there as well.
Most states will require insurance when registering a vehicle in the state.
For the most part, you should register and insure your vehicle in the state where it is most often driven.
Your car’s physical location is most important to your insurance company.
When life takes you to several different states within the course of a year, being sure that you have the right car insurance to protect you in the event of a theft or accident can be confusing. However, the rules are actually pretty …show more content…
This can be a sticky situation, since most states will require that your car registration matches your current address, with corresponding insurance. Still, it is worth talking with your insurance agency and comparing other companies to see if they have options for students temporarily living in another state.
Don’t Split Registrations and Insurance
Be careful splitting insurance and registrations. Even if you are temporarily working in another state and have maintained your home state insurance, you should likely register your vehicle there. Most state laws consider you a resident if you are gainfully employed, regardless of future plans, after a few months. For this reason, they would expect your vehicle to be registered in the state of your residence.
That’s the long and short of it, though it can be a little confusing, it is easiest to remember that the insurance company expects to know where your car actually resides and drives. Make the changes you need to keep you compliant, and avoid any problems with them paying in case of an incident. Before you make changes, take the extra few minutes to compare rates and review insurers so that you get the best quality and value for your
People who spend part of their time in a second state often keep a vehicle there, and register and insure it there as well.
Most states will require insurance when registering a vehicle in the state.
For the most part, you should register and insure your vehicle in the state where it is most often driven.
Your car’s physical location is most important to your insurance company.
When life takes you to several different states within the course of a year, being sure that you have the right car insurance to protect you in the event of a theft or accident can be confusing. However, the rules are actually pretty …show more content…
This can be a sticky situation, since most states will require that your car registration matches your current address, with corresponding insurance. Still, it is worth talking with your insurance agency and comparing other companies to see if they have options for students temporarily living in another state.
Don’t Split Registrations and Insurance
Be careful splitting insurance and registrations. Even if you are temporarily working in another state and have maintained your home state insurance, you should likely register your vehicle there. Most state laws consider you a resident if you are gainfully employed, regardless of future plans, after a few months. For this reason, they would expect your vehicle to be registered in the state of your residence.
That’s the long and short of it, though it can be a little confusing, it is easiest to remember that the insurance company expects to know where your car actually resides and drives. Make the changes you need to keep you compliant, and avoid any problems with them paying in case of an incident. Before you make changes, take the extra few minutes to compare rates and review insurers so that you get the best quality and value for your