Primary vs. secondary coverage
Can you have insurance in a different state than where you live?
Many drivers may wonder if your car can be registered in one state and insured in another, perhaps to reduce their auto insurance rate. Insurers typically don’t allow you to purchase an auto policy for a state where you don’t live.
Do I have to change car insurance if I move states?
Although you don’t have to change car insurance when moving states, it often makes sense for drivers to make the switch. Insurance agents are typically licensed only in a single state, and different states have different laws about insurance coverage.
How does car insurance work across state lines?
It works like this: if you carry the minimum coverage that your state requires, then you drive into a state that has higher minimum coverage requirements than your home state, your auto insurance company will automatically adjust your minimums to match the coverage required by the state you are currently in.
Can I insure my son’s car in another state?
Typically insurance companies in the United States do not allow you to insure cars in other states where you don’t reside. … So in short no you usually cannot legally insure a car for someone who lives in a different state even if they are your family.
Can I buy a car in one state and register in another?
Typically, you will be required to pay the applicable state sales tax before you can register the vehicle. You will have to pay to get the car titled and registered in your home state, and you will likely have to produce a “bill of sale” and the transferred title to prove that you purchased the car legally.
What states have no car insurance?
There are only two states where car insurance is not mandatory for all drivers: Virginia and New Hampshire. In Virginia, an uninsured motor vehicle fee may be paid to the state, while in New Hampshire, vehicle owners have the option to post cash bonds.
What do you do with your car when you move to another state?
If you’re in the process of moving to a new state, here are steps you can take to transfer your car insurance and registration.
- Step 1: Finish your move. …
- Step 2: Purchase a new auto insurance policy. …
- Step 3: Register your vehicle in your new state. …
- Step 4: Apply for a new license.
Does your insurance and registration address have to match?
Yes, your auto insurance address and registration address need to match. In most situations, you need to register your vehicle to the same address you use for auto insurance. For most drivers, this address is the same as your physical address or place of residence.
Do I need to tell my car insurance if I move house?
Will moving home affect my car insurance? Yes. As soon as you move house (or know your new address details and moving date) you should inform your insurance provider so they can update your details.
Can I own cars in two states?
No, your car cannot be registered in one state and insured in another. Generally, your car should be both registered and insured in your state of legal residence. If you have recently moved, you have some time to switch your car insurance policy (but do it ASAP).
Can I stay on my parents auto insurance if I move out of state?
If you move out of state, and your vehicle is coming with you, then you need a new auto policy for your new state. There’s an exception for college students. Most states permit you to stay on your parents’ policy while you attend an out-of-state college or university, even if you have a car on campus.
Can my son drive my car if he is not insured?
In your policy’s omnibus clause, it states that any driver who is a family member living in the same house, including children away at school, are covered as long as you give them permission to use your car. … The insurance company may also request that you put the drive on your excluded driver list.