On you car insurance until when?

[one_two]

@mom2and

rates are likely different for a car located in a city vs a suburan home as an example.

The state makes a huge difference. Twins with same good driving record, same vehicle except one a year older, same usage, same coverage. We got quotes from several companies and insuring the car in Tallahassee costs almost 4x more than insuring the one in Chicago. Florida is evidently one of the most expensive states for auto insurance.

[natty1988]

@Twoin18

Yes, we still own the car that D drives - she’s moved to several different states but we keep it registered and insured in CA. I’m not even sure whether we could/should re-register it in the state she is living in - has anyone tried this? The state she is living in now says that cars that are either owned by a resident or mostly driven there should be registered in the state, but it seems like it would be complicated for us as non-residents to register the car there (we’d presumably have to either travel there to do it or transfer the car title to D), not to mention the added challenges of insuring it there too. I have heard that some states (IIRC Maryland was one example) will ticket cars with out of state registration if they are parked on the street for more than a few days?

My D now lives out of state and when she moved out of state she registered it in that state. Then again, she takes care of all car related expenses since she’s fully employed. As far as I know if you’re residing in a state permanantly, you need to register your car there. I know there are some exceptions.

As for insurance, as soon as our kids became employed and paid their own bills, they got their own insurance…

[Twoin18]

@natty1988

As far as I know if you’re residing in a state permanantly, you need to register your car there

But it’s not her car, we still own it.

[jym626]

But you also said if it is “mostly driven there”. In the state older s went to school in, that meant 6 mos and one day, IIRC. For us, we kept the car titled/registered in our name and home state, but the insurance had to be in the state the car was located.

[CMA22]

We get a discount for DD bring in school over 100 miles away.

Then we put her car in storage in the garage and do not drive it, so coverage is suspended for that vehicle when she is at school. When she comes home for breaks, we activate the insurance again, even for just a few weeks.

[Twoin18]

Yes that’s what the vehicle code says in her new state. Unlike most states which just appear to deal with cars owned by a new resident. But it doesn’t appear to be enforced (at least not so far), and I’m not even sure how they’d know, especially when she is 10 miles from the state border, so lots of people must spend time living in one state and working in the other. More importantly our insurance doesn’t seem to care, so we haven’t bothered to do anything about it.

[yearstogo]

I am going to give the car DS drives to him soon. We only carry liability on it. I called the insurance and the difference will be $250ish extra as he will not benefit from having multiple cars/policies. It is a 2009 Sonata with 200K miles. Not too expensive to switch to him owning.

[one_two]

My sons didn’t have any issues driving the cars owned by us while living in their new states. They were able to get drivers licenses from those states, with one meeting the insurance requirement by showing that we owned the car and had it insured in our state. One parked on the street for months with no issue over his out of state plate. One got pulled over and when the police officer questioned drivers license from one state and car registered in another he just said truthfully he was driving his parents’ car. It was only our insurance company that didn’t allow the cars to be garaged in a different state than the policy owner’s residence.

[natty1988]

Ah I see!