<p>So I’m moving to a neighboring state for work and I’m still on my parents insurance. Is there anyway I could still be on my parents insurance while having my vehicle “garaged” in my new state? My move is only temporary for 3-4 years.</p>
<p>Speak with your insurance agent. </p>
<p>My own experience with doing that did not go so well. My daughter moved out of state and was working for two years as a substitute teacher, so my husband and I kept the car and the insurance in our name to help financially. Her third year she worked as a charter school teacher and did not get paid regularly (and then not for the last 5 months) due to an unscrupulous administrator who drove the school bankrupt.</p>
<p>Anyhoo, she and her then fiancee shared an apartment for awhile and I did not realize that he should have been added to our insurance. He managed to total “her” car and two others in an accident that was deemed his fault, and we were sued when one driver was not happy with the insurance money she received. One good thing was that he had moved out of the apartment three weeks prior to the accident and moved into the camp where they were working for the summer. Had he still been an uninsured member of her household I would have lost my insurance coverage (another good thing was that we’d had to file bankruptcy ourselves due to a job loss and helping the daughter, and the driver who’d sued us was named in the filing).</p>
<p>So his accident is now on our insurance record. Daughter and now son-in-law got off free.</p>
<p>My younger daughter moved to an adjoining state at the beginning of this month. We are visiting her for Thanksgiving and while there are transferring title and insurance to her name and responsibility. We learned our lesson!</p>
<p>Our insurance agent says you always need to get new insurance where the car is located or you won’t have coverage when it is needed. She’s had a lot of sad clients who thought to save $$$ by disregarding her advice and then couldn’t get insurer to pay when there was a later claim.</p>
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Do you mean “months” or “years”? If it’s months, yeah, you can look into staying on your parents’ insurance; otherwise, get a new license, title, registration, and insurance in the state in which you will be living. You do not want to spend several years with the headaches and hassle of a car registered out of state.</p>
<p>Same here. DS moved out of state with one of our cars. We were politely told we could not continue to carry this car on our insurance as it was garaged elsewhere…and in our case, in a state in which our company did not underwrite insurance. The good news was, we transferred ownership of the car to him, and his car insurance there was actually LESS costly than his share/car on our plan.</p>
<p>This thread made me think about our family situation…</p>
<p>We live in Ohio.</p>
<p>S2 and S3 both finished school last spring and both are living and working in DC. Neither of them has a car. They will occasionally borrow a friend’s car for an errand, or rent a ZipCar ( maybe 6-8 times a year, total. They tend to use public transportation or walk). They drive our family cars less than 5 or 6 days a year.</p>
<p>We have kept them on our family auto insurance policy, even though neither has lived at home for years. Typically, we go to DC to see them, rather than them coming here.</p>
<p>Is it proper to keep them on our policy? Or can we drop them from the policy? What if we dropped them from our policy, and they had an accident driving someone else’s car? Should they obtain their own insurance? Neither plans to own a car, so they need basically liability coverage only?</p>
<p>Boysx3, I’m pretty sure you would be covered if they drove your cars at this point, even if they are not on your insurance. If they have their own addresses and you do not claim them A’s dependence, I think they’d be treated the same as if a friend is driving your car. But I do suggest you contact your insurance company. If you’d like, I’ll send you my college aged sons bill :)</p>
<p>Talk to your agent. Our D does not have a car, but occasionally drives roommates. While her roommate obviously has insurance, D also has non owner auto insurance. I believe it’s fairly inexpensive. And she occasionally rents cars, so with this insurance, does not have to purchase rental companies expensive insurance…</p>
<p>Both sons live out of state (one is also in DC) and don’t have cars. According to my insurance co., I can take them off my insurance and they would be covered as allowed drivers of our cars. I’m also not sure we could’ve kept them on our insurance since they aren’t members of our household (they are independent, file taxes in the states they live, etc).</p>
<p>S1 occasionally rents a car and we advise him to get the rental company insurance to cover him. He would’ve needed to do that even if he was on our insurance since our insurance would only cover DH and I when we rented cars as the owners of the insurance.</p>
<p>This response is more for boysx3 rather than the OP (I don’t know how it works/what the risks are for the OP) but my older two D’s attend/attended college out of state. </p>
<p>AAA’s policy is that if the students live greater than 150 miles away from home, they do not need to be maintained on the policy unless they’re home for 30 days or more. They are covered when they come home for less than 30 days; if they come home for longer (summer, for example), we need to put them back on and pay for them. I was so surprised by this that I called every time D1 came home from college for the first 3 or 4 times in case the last agent I spoke with was wrong!</p>
<p>I don’t know if this is an AAA policy, a California law or what so I’d definitely check with your carrier but I can tell you that it’s been a pleasure to not have to pay for them while they’re away!</p>
<p>College students are very different than college grads who live out of state, are employed out of state, and who have a permanent address where they garage the car that is out of state. College students have a permanent address that is their parent’s address. </p>
<p>Collage…what you are describing varies by insurance carrier. My carrier had an “away at school” discount for students more than 100 miles away at college. It saved us a rousing $200 a year per kiddo. </p>
<p>Our insurance was very clear. If our college grad who permanently lived in another state used OUR car, we or he had to get a policy in THAT state. So…we titled the car over to the kid, he got insurance, and it actually was $400 less per year than his part of our family policy. Same coverage!</p>
<p>Here is a good laugh for you all. DD spent two years in the Peace Corps in Africa. She was not even permitted to drive a car at all during her service. Her divers license was locked in a safe. We called our insurance company to have her removed from our policy. They said they couldn’t do that because we had three cars! What?? I kept going up the food chain…until I finally got someone who understood that this kid would NOT be driving any of our three cars OR any other cars. It took a few days. So thy finally removed her from our policy…and deducted $300 a year from our premium. Woohoo.</p>
<p>I should have switched to Geico!</p>
<p>Depending on your state it can be cheaper to move your kids off your policy and onto their own. I live in a state with very high automotive insurance and it was a huge savings to have the kids register their cars in their college state and insure them in that state. Neither needed to change their driver’s license. It’s so much ‘cheaper’ each was able to take the insurance over themselves before they graduated. If they don’t have a car you probably can’t do that, but I have never (needed) to check that aspect.</p>
<p>I guess I will be calling our agent first thing on Monday to get my sons off our policy as they are no longer students and have permanent homes 500 miles away.</p>
<p>I am just worried about coverage if they drive someone else’s car on an errand or some such and have an accident. DC traffic is just horrific.</p>
<p>I had never heard of insurance coverage not associated with car ownership so I will be investigating that for them.</p>