In most cases, your automobile insurance address and your vehicle registration address must be the same. While particular rules differ by state, it’s generally a good idea to keep your auto insurance, vehicle registration, and driver’s license at the same address.
The primary driver of your vehicle’s address should be listed here. It should also correspond to the real place where the car is usually parked.
If these addresses do not match, you may face difficulties if you are pulled over. A police officer will request your driver’s license, registration, and proof of insurance. If the addresses on these documents don’t match, it could be viewed as a sign that you’re driving illegally.
Can my car be registered at one address and insured at another?
When you fill out a request for an auto insurance quotation, one of the first pieces of information you’ll be asked for is your address.
The location of your home has a significant impact on the cost of your insurance. Vehicle insurance costs vary by state and even by area, so you may have wondered: Can I get cheaper auto insurance by using a different address, or is it illegal to use a different address for car insurance?
While it may be tempting to obtain lower auto insurance rates by using someone else’s address, you should not do so. It’s fraud if your auto insurance address differs from your home address.
We’ll go over why you shouldn’t lie about your residence to receive lower insurance rates, as well as some legitimate strategies to save money.
Giving a bogus address might cause problems with your insurance for a variety of reasons. Let’s have a look at what they have to offer.
Do you require prices for your new ZIP code? By utilizing our FREE tool above, you can begin comparing vehicle insurance quotes right now.
Does your car insurance and registration have to be under the same name?
While most states do not require that the name on an insurance policy match the name on a car registration, some insurance companies may have restrictions prohibiting them from underwriting a policy if the names on the policy and the registration do not match.
Do I have to change my address on my car insurance?
If you move, you don’t have to change your auto insurance policy, but you might find that your existing carrier can’t give you with the same coverage at your new home. Why not compare auto insurance with us if that’s the case?
Can you lie about your address on car insurance?
If a motorist intentionally withholds information when answering a question provided by the insurer when calculating your insurance price, the application could be regarded fraudulent. This includes the following:
Fronting
This occurs when someone falsely claims to be the primary driver on a car insurance policy. Adding a young driver to an older driver’s policy, for example, is often less expensive than purchasing a separate coverage. However, if the young driver is the primary driver of the vehicle, this is prohibited. Here’s where you can learn more about fronting.
Similarly, “address fronting” occurs when the address on the policy does not correspond to the location where the car is generally kept. To save money, drivers may lie about this, but this might invalidate the coverage and leave you vulnerable in the event of a claim.
Use of the car
This relates to incorrect information about your car’s class of usage, such as listing “social, domestic, and pleasure” while you also drive to work.
You’ll also need to include ‘business use’ if you use your car for work.
Modifications
You must still notify your insurer if you modify your car, for example, by making basic cosmetic changes rather than performance-enhancing changes such as upgrading the exhaust.
- Any little bumps, as well as catastrophic incidents, should be reported to your insurer, even if you do not intend to file a claim.
- Penalty points accrued on your license, any motor-related convictions, and any additional convictions that have not yet been served.
- Any change in the number of miles you plan to drive during the policy term.
Does your insurance and registration address have to match in PA?
“Does your driver’s license have to match your vehicle registration?” is a question that many drivers have. Most of the time, the simple response is yes. The majority of states require you to obtain a driver’s license and register your vehicle in the state where you live. This means that your driver’s license and vehicle registration should have the same address as your house.
To receive better rates on your vehicle insurance coverage, you should never enter an invalid address or zip code. This type of insurance fraud might have serious ramifications. If you want to save money on car insurance, talk to a local agent about discounts or look into coverage from low-cost auto insurance companies.
Moving To A New State And Registration Grace Periods
If you decide to make a permanent move, make sure to notify your insurer and the Department of Motor Vehicles (DMV). In most states, if you relocate to a new state and want to stay there permanently, you must obtain a new driver’s license and vehicle registration.
The DMV does not need the license and registration to match in eight states. Drivers must establish their domicile in the state where the vehicle is registered in Delaware, Indiana, Kentucky, Maine, Mississippi, New York, North Dakota, and Pennsylvania.
Many local DMVs will grant you a grace period to register your automobile when you move to a new state, which is usually around 30 days. To find out how much time you have to register your vehicle in a new state, contact your local office.
Does name on registration and insurance have to match in NJ?
If you are the primary owner of the car, the address given on your registration must generally match the address listed on your insurance. This holds true in almost all states, including New Jersey. The rationale for this is simple: it’s more practical. Both registration and insurance require your actual address. This has to do with identity when it comes to registration, but it has to do with where your automobile lives when it comes to insurance. This law only applies to the vehicle’s owner, and other drivers are not required to follow it.
Car insurance companies must know where the vehicle will be parked permanently. This necessitates the inclusion of your physical address. If you get your mail at a different location, you can specify an alternative address. Your physical address is one of six forms of identification you must submit when filing for registration at a state DMV. Although you can provide multiple addresses here, your home address will also be on file because many people get mail at a different location. As a result, if a cop ran your credentials, your home address would show up on both.
This is a requirement in many states, but it is suggested but not necessary in others. It is normally not a huge issue if you move your residence and do not notify the DMV. When you’re pulled over, you might be asked some additional questions, but most of the time you’ll be OK. Some insurance policies, however, may not provide complete coverage unless both addresses are identical. In any event, it’s a good idea to double-check with the DMV and your insurance provider to see what each requires. This information will be confirmed by your local DMV.
Can you insure a car not registered in your name?
Is it possible to insure an automobile that I don’t own? Yes, you can get a second car insurance coverage for another person’s vehicle. When you apply for insurance, simply state that you are not the vehicle’s owner or registered keeper.
What happens if I don’t change my address on my car insurance UK?
If caught by authorities, motorists who forget to change their address might face a £1,000 fine. When you move, you must update more than just your address on your driver’s license with the DVLA.
Why did my car insurance go up when I moved?
Moving may be a liberating experience. You’ve moved into a new home, which you must explore and decorate. A new neighborhood where you can find the best restaurants. And new neighbors with whom to form lifelong friendships.
Among all the new and exciting things, relocation may have a side effect you weren’t expecting. A change in your address may have an impact on your auto insurance quote, so keep that in mind.
Why does moving affect your car insurance rate?
Depending on the risk connected with the new location you’re in, moving might either increase or decrease your vehicle insurance quote. When determining the impact of an address on insurance prices, insurance firms look at a variety of facts regarding the area. The following are some of the factors that suppliers consider:
Traffic
Auto insurance premiums tend to rise as you move to larger, busier cities. Because there is more traffic and a greater probability of being in a car accident in high-traffic locations, insurance companies compensate for this risk by raising your insurance rates. Perhaps there’s a particularly awful crossroads or a very congested location before and after work. As a result of these circumstances, your auto insurance may rise once you relocate.
Crime rates
If your neighborhood has a lot of crime, your insurance rate may be greater than in a tiny town where the worst thing that may happen is that you have to drive extra slowly behind a combine. Car thefts and break-ins are more common in areas where insurance premiums are higher.
Parking situation
Your insurance rate is also affected by where you store your car. Your charge may be greater if your address is for a downtown loft with street parking. Because you have a garage attached to your house, you may be eligible for a lower cost if your address is a quaint bungalow in a residential neighborhood. Because cars kept in garages every night are less likely to be broken into, insurance companies can offer coverage for a lower premium than if your car is parked on the street every day.
Car insurance in another state
Moving across town isn’t the only thing that might affect your auto insurance rate. When you move to a new state, your auto insurance may alter. Many states have varying insurance minimums and restrictions, which can affect your auto insurance policy’s monthly pricing.
Whether you’re moving, it’s a good idea to phone your current provider to discover if they’ll work in the state you’ll be visiting. If they don’t offer coverage in your new state, it’s time to start looking for new coverage. Examine your current policy and see how it stacks up against new providers’ pricing.
The most expensive auto insurance
You got it right if you said Michigan! Michigan frequently ranks first in the nation for the most expensive auto insurance. People are required to carry PIP (Personal Injury Protection) coverage for a variety of reasons. This coverage assists in the payment of medical expenses regardless of who is at fault in an accident. The city of Detroit has a high crime rate, which contributes to higher insurance prices.
Other factors impacting auto insurance rates
Aside from your residence, your auto insurance rate is influenced by a number of other factors. And the more you know about the factors that influence your rate, the better you will be able to comprehend it. We went into great detail on a few rate factors, but here are the highlights:
How to offset a rate increase
If you recently moved and your vehicle insurance rate increased as a result of your new location, there are a few things you may do to assist lower your rate.
Update your deductible
You might want to consider raising your deductible. After your insurance kicks in, your deductible is the amount you’ll have to pay out of pocket. Your auto insurance rate may drop a little if you raise your deductible.
Look for discounts
Have you installed an anti-theft system in your vehicle but failed to notify your auto insurance company? Is it possible to pay for your term in full rather than month by month? These are some simple and painless ways to acquire a discount from most providers, and they are a quick way to save money. You can see all of Say’s deals here, but here is what we have to offer:
Shop around
We recommend that you review your auto insurance policy every six to twelve months. Things change, and some of them may have an effect on your rate. Make a fast audit of your rate and provider to ensure you’re receiving the best value for your money.
Are you paying for AAA because your service provider doesn’t provide roadside assistance? Look for a company that includes Roadside Assistance in every policy, like Say, and you can save money on your insurance.
How to Change Your Address on Your Car Insurance
If you’re planning a move, give your insurance company a call ahead of time to let them know your new address. They can generally check your address and determine how your rate will be affected by the change.
If you’re a Say client, you have two options: modify your address in your My Say account to see how it affects your rate, or call the Say Service Squad at 1-800-225-5729 for assistance.
Who knows, maybe your interest rate may drop, and you’ll have some more income each month to go toward new tires or a trip. Let’s hope for the best!
Do car insurance companies check where you live?
Before you can get a price for auto insurance, you will be asked a series of questions. The insurance provider will want to know where you reside, what kind of automobile you’ll be driving, and your entire driving history.
It may be tempting to make a white lie now and again in order to reduce the size of your auto insurance cost. When it comes to purchasing a vehicle policy, though, being economical with the facts may wind up costing you a lot of money.