How do you insure if you live in 2 states...

how 'bout a diff insurance company? Mine just wants to know WHERE the car is principally garaged and then they charge according that location.

 

this question is always thrown around........here's the way I've always understood it, like it or not............you can only have 1 drivers license......you can of course have many houses and many cars........you are supposed to by law have your license and residency decided by the state that you spend the MAJORITY of your time in........meaning in your case, it should be CA..........all your cars should be licenced and registered in CA, however, you can tell you ins. that they are kept, and garaged and driven in texas, it may affect your rates.........but you can't have 2 primary residences...........your residence for legal purposes is defined by where you spend your MAJORITY of your time...............of course you could SAY you spend the majority of your time in the cheapest state........but you know............

 

I do it! I live in Texas! I used to live in IL. I own a condo in Chicago. I used to live there and now I rent it out! I own two cars here in TX and insure them through a IL insurance policy! I purchased a motorcycle here in TX and insure that through an IL policy! I tried to insure a personal article through IL, but they had to see the item, so I had to use a TX agency (office). My home down here is TX insured, my condo in IL is IL insured! All my autos are liscenced in TX but insured in IL! Whatever works! I just never switched agents and I told them that I don't want to! I've been with that agent for over 10 years and he has always took good care of me! No reason I want change!

Jay

 

Title, register and insure it in one state (generally the cheapest). We sell cars all the time to out of state clients and multiple home owners in different states. They usually do that.

ex: a residence in NJ and FL.. they would have us register, title FL and pay the FL tax and the insurance would match the state.

 

Hyopthetically speaking what is one supposed to do if they spend 50% of their time one state and 50% in another? Do you just pick the cheaper state or does the insurance company pick the more expensive state for you? And what about property taxes?

 

Where ever you pay the sales tax to (state) is where it will be titled and registered. Insurance should match the state. If you spend 50% here and 50% in another, as long as you maintain a legitimate residence, you should have no problem. Now if you give up your residence to the state its registered, THEN you are supposed to take the vehicle with you to the new state and register and title it in the new state.

Thats what I was always taught, and never had a problem doing other peoples MV work.

 

I live in 2 states. My primary home is in Florida. I insure my Florida cars and have florida plates on them. My second home in Nashville , I leave cars there and insure and plate them in Tenn. I'm afraid that if I leave a car although I travel back and forth that over 6 months the state will complain if I'm reported or something. I have a Florida drivers license.

 

I bounce between CA and TX, simple for me because I insure my TX home and vehicles in TX and CA property in CA.....If I am going to be in CA for a month or more which is usally the case I have a lay-up on my vehicles. Since they are parked in the garage and covered under homeowners if anything was to ever happen.

 

I live in nashville and still have a florida dl.
Everytime i've been pulled over for exceding the speed limit
i tell the officer i live in florida. My bike is registered in tn.
The conversation usually gets interesting once they realize that.
I just tell them i live in both places.Don't tell them you have a job in the state that you don't have a dl. You will get a ticket for that!!!!
My insurance company usaa does not care if my dl is different than where the cars and bikes are registered.

 

I used to live in texas more than 2 years ago. I still have my TX driver license and the car I am driving now still has TX plate. I am currently living in southern cal and I don't need to change my driver license or plate in order to get CA insurance. I am with geico. I told them I only live in CA temporarily(and I do, not sure for how long). I dont have to get CA emmision since it's not the requirement to insure the car.

how about using 2 insurance companies for each state?