Is it possible to use a different address for insurance than my primary residence if I’m not parking or driving there? I reside in Brooklyn but don’t drive within NYC or park my car at my home. It’s actually stored at a family member’s place in Long Island, where insurance rates are significantly lower. Can I use my family member’s address for the insurance, even though my driver’s license has a different address? Would this be seen as insurance fraud?
Can i use a different address for insurance than my primary residence if i wont be parking or driving there?
Using a different address for your car insurance than your primary residence can be a bit tricky. Insurance companies generally base their rates on where the vehicle is primarily kept and driven. If you store your car at your family member’s address in Long Island and plan to use that address for insurance, you might be able to do so, as long as you genuinely keep the car there and can demonstrate that it’s your primary location for the vehicle.
However, it’s important to be transparent with your insurance provider. Misrepresenting your car’s storage or driving location could be viewed as insurance fraud, which has serious legal consequences. It’s best to discuss your situation directly with your insurance agent. They can guide you on the appropriate steps to take and help you find a solution that complies with the law and keeps you covered.