Car Insurance Without a Permanent Address
I’m a 34-year-old CDL driver who has been on the road for a while. I originally bought my car while living in California and maintained my residence there for many years. After spending about four months in Illinois, I decided to apply for an Illinois driver’s license, which I successfully obtained before my California license expired.
Currently, my car is kept in a garage in California, but I brought it to Illinois temporarily since I needed it for a couple of weeks. As I prepare to leave for work again, I’m considering whether to store the car or determine my next destination.
Additionally, I have a situation with my nephew, who serves in the military. When he turned 18 and had no credit, I helped him purchase a car. Now at 23, he frequently relocates, typically staying in one place for six months before moving again or being deployed overseas. When he’s not on base, he often uses my car, which is currently sitting in a garage in California.
I’ve learned that most insurance companies look at the car’s registration and the driver’s license state. Since I now hold an Illinois license but the car is still registered in California, do I need to update the registration? What options are available to me?
It sounds like you have a unique situation with your car insurance and registration due to your frequent moves. Here are a few options to consider:
Contact Your Insurance Provider: To get clarity on your specific circumstances, reach out to your insurance company. Explain your situation regarding having a California-registered vehicle while holding an Illinois driver’s license. They can provide guidance on how they handle out-of-state coverage and what might be required from you.
Consider Changing Registration: Since you have an Illinois driver’s license, it may be advisable to register your car in Illinois, especially if you plan to spend more time there. Each state has its own insurance and registration laws, so switching your registration can help simplify things. It may also make it easier to obtain insurance that covers you adequately.
Look for Insurance That Covers Out-of-State Vehicles: Some insurance companies may allow a temporary situation where your vehicle is insured in a different state than where you hold your license. It’s worth researching or asking your insurer about options that can cover you while you continue to travel.
Park Your Car in a Safe Location: If you’re leaving the car parked in California, ensure it’s in a secured location, and continue to check with your insurance about coverage if it’s not actively driven.
Consider Your Nephew’s Situation: Since your nephew may be using the vehicle as well, check with your insurer about adding him to your policy, especially since he might need coverage when he’s home. It could be more affordable and practical for both of you.
Ultimately, navigating car insurance and registration in multiple states can be tricky, so getting professional guidance tailored to your circumstances will be beneficial. Good luck!