Question about different garaging address on insurance policy?

Question about different garaging address on insurance policy?

I had had my license for 6 years in October, and called my insurance company to make sure my rate would go down. While on the phone, the rep and I got to chatting and I mentioned to her that I have been staying most nights (6-7 nights per week) at a different address for over a year now, but my license and policy are still listed at my mother’s address. The rep explained the garaging address can be changed without changing the billing address if the two are different. Today I received an email about being refunded the difference at the end of my policy term. I didn’t realize the changes would generate such a huge difference in price (The zip code of the town I have been staying in has a low crime rate and my mother’s address is in a city). I realize people change their address to commit fraud, and now seeing such a difference in rate, I want to sure there is no legal ambiguity- I want to be crystal clear on what garaging implies and what I need to be aware of. 1) Am I in a gray area…If I go home for a weekend? If I lend the car to my brother for a few days? Do I need to be at the garaged address 80% of the time? 100%? I almost want to call them and ask to change it back just so as not have to worry. 2) Also, what would generate the bigger rate difference- the garaging change or the fact that I have had my license for 6 years? (is there a way to tell? Can I request a revised policy? 3) I am planning to replace my car soon, possibly donating it by the end of the year (very old car with continuous engine problems), so I will need to cancel my policy before it is up in April. Will this complicate things further? Any advice or resources are greatly appreciated. Thanks in advance and thank you for reading!

BEST ANSWER: Try this site where you can compare quotes from the best companies : Compare free insurance quotes


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Question about different garaging address on insurance policy?

I had had my license for 6 years in October, and called my insurance company to make sure my rate would go down. While on the phone, the rep and I got to chatting and I mentioned to her that I have been staying most nights (6-7 nights per week) at a different address for over a year now, but my license and policy are still listed at my mother’s address. The rep explained the garaging address can be changed without changing the billing address if the two are different. Today I received an email about being refunded the difference at the end of my policy term. I didn’t realize the changes would generate such a huge difference in price (The zip code of the town I have been staying in has a low crime rate and my mother’s address is in a city). I realize people change their address to commit fraud, and now seeing such a difference in rate, I want to sure there is no legal ambiguity- I want to be crystal clear on what garaging implies and what I need to be aware of. 1) Am I in a gray area…If I go home for a weekend? If I lend the car to my brother for a few days? Do I need to be at the garaged address 80% of the time? 100%? I almost want to call them and ask to change it back just so as not have to worry. 2) Also, what would generate the bigger rate difference- the garaging change or the fact that I have had my license for 6 years? (is there a way to tell? Can I request a revised policy? 3) I am planning to replace my car soon, possibly donating it by the end of the year (very old car with continuous engine problems), so I will need to cancel my policy before it is up in April. Will this complicate things further? Any advice or resources are greatly appreciated. Thanks in advance and thank you for reading!

BEST ANSWER: Try this site where you can compare quotes from the best companies : Compare free insurance quotes


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Question about different garaging address on insurance policy?

I had had my license for 6 years in October, and called my insurance company to make sure my rate would go down. While on the phone, the rep and I got to chatting and I mentioned to her that I have been staying most nights (6-7 nights per week) at a different address for over a year now, but my license and policy are still listed at my mother’s address. The rep explained the garaging address can be changed without changing the billing address if the two are different. Today I received an email about being refunded the difference at the end of my policy term. I didn’t realize the changes would generate such a huge difference in price (The zip code of the town I have been staying in has a low crime rate and my mother’s address is in a city). I realize people change their address to commit fraud, and now seeing such a difference in rate, I want to sure there is no legal ambiguity- I want to be crystal clear on what garaging implies and what I need to be aware of. 1) Am I in a gray area…If I go home for a weekend? If I lend the car to my brother for a few days? Do I need to be at the garaged address 80% of the time? 100%? I almost want to call them and ask to change it back just so as not have to worry. 2) Also, what would generate the bigger rate difference- the garaging change or the fact that I have had my license for 6 years? (is there a way to tell? Can I request a revised policy? 3) I am planning to replace my car soon, possibly donating it by the end of the year (very old car with continuous engine problems), so I will need to cancel my policy before it is up in April. Will this complicate things further? Any advice or resources are greatly appreciated. Thanks in advance and thank you for reading!

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Question about different garaging address on insurance policy?

I had had my license for 6 years in October, and called my insurance company to make sure my rate would go down. While on the phone, the rep and I got to chatting and I mentioned to her that I have been staying most nights (6-7 nights per week) at a different address for over a year now, but my license and policy are still listed at my mother’s address. The rep explained the garaging address can be changed without changing the billing address if the two are different. Today I received an email about being refunded the difference at the end of my policy term. I didn’t realize the changes would generate such a huge difference in price (The zip code of the town I have been staying in has a low crime rate and my mother’s address is in a city). I realize people change their address to commit fraud, and now seeing such a difference in rate, I want to sure there is no legal ambiguity- I want to be crystal clear on what garaging implies and what I need to be aware of. 1) Am I in a gray area…If I go home for a weekend? If I lend the car to my brother for a few days? Do I need to be at the garaged address 80% of the time? 100%? I almost want to call them and ask to change it back just so as not have to worry. 2) Also, what would generate the bigger rate difference- the garaging change or the fact that I have had my license for 6 years? (is there a way to tell? Can I request a revised policy? 3) I am planning to replace my car soon, possibly donating it by the end of the year (very old car with continuous engine problems), so I will need to cancel my policy before it is up in April. Will this complicate things further? Any advice or resources are greatly appreciated. Thanks in advance and thank you for reading!


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Question about different garaging address on insurance policy?

I had had my license for 6 years in October, and called my insurance company to make sure my rate would go down. While on the phone, the rep and I got to chatting and I mentioned to her that I have been staying most nights (6-7 nights per week) at a different address for over a year now, but my license and policy are still listed at my mother’s address. The rep explained the garaging address can be changed without changing the billing address if the two are different. Today I received an email about being refunded the difference at the end of my policy term. I didn’t realize the changes would generate such a huge difference in price (The zip code of the town I have been staying in has a low crime rate and my mother’s address is in a city). I realize people change their address to commit fraud, and now seeing such a difference in rate, I want to sure there is no legal ambiguity- I want to be crystal clear on what garaging implies and what I need to be aware of. 1) Am I in a gray area…If I go home for a weekend? If I lend the car to my brother for a few days? Do I need to be at the garaged address 80% of the time? 100%? I almost want to call them and ask to change it back just so as not have to worry. 2) Also, what would generate the bigger rate difference- the garaging change or the fact that I have had my license for 6 years? (is there a way to tell? Can I request a revised policy? 3) I am planning to replace my car soon, possibly donating it by the end of the year (very old car with continuous engine problems), so I will need to cancel my policy before it is up in April. Will this complicate things further? Any advice or resources are greatly appreciated. Thanks in advance and thank you for reading!


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