Talk > Automotive Social > Car Insurance Question

reply to RobNyc

Re: Car Insurance Question

reply to Bob

reply to RobNyc
So your father lied to them.

reply to CylonRed

reply to Bob

reply to RobNyc
From you wanting to register in a different state to get cheaper insurance while you live in another state.
--
Brian

"It drops into your stomach like a Abrams's tank.... driven by Rosanne Barr..." A. Bourdain

reply to RobNyc

reply to RobNyc
I have told my insurance company I have been living in NJ but my car registration/insurance is under my dads in NYC as that use to be my address before. Since my NJ location wasn't permanent I decided not to get NJ license since I only have 2yrs with my license as well (new driver).

I quoted myself for insurance but it was about 4k a year whereas I added myself to my dads policy and it was 2200 a year. Now with this new insurance company I am trying to get my name running alone. They asked me if the car was registered in NY i said yes, they will get back to me this week.

Anyone dealt w/ Libery Mutual before?
I gave them my NJ address (which is now permanent) and the address where the car is registered. So I don't know where some of you are getting "I am not telling them the truth" part from.

reply to CylonRed
It's useless as to whether the OP's car insurance will go up or down when he tells his insurance company the truth.

reply to Bob
Averages does not make it useless imho

reply to CylonRed
Which is why it's useless.

reply to Bob
That is why it is 'on average'.
"We then averaged rates for all vehicles in each state to create the rankings of affordable car insurance."
--
Brian

"It drops into your stomach like a Abrams's tank.... driven by Rosanne Barr..." A. Bourdain

reply to CylonRed
You need to compare northern NJ with NYC, not all of NJ with all of NY.

reply to CGMason14
Looks like for 2012 - cheaper in NY than NJ:
»www.insure.com/car-insurance/car···tes.html

15th for NJ and NY is 23rd - at least on average
--
Brian

"It drops into your stomach like a Abrams's tank.... driven by Rosanne Barr..." A. Bourdain

reply to RobNyc
Register the car in NJ. Insurance is likely cheaper then anywhere in NYC. Now a story. A friend of mine had a car registered in NJ, but for some strange reason, the insurance company issued him a NY policy despite him telling them that he moved to NJ and switched all his paperwork (license, car registration). The insurance card even listed his NJ address.

Long story short, he got into an accident and the car was totaled with injury. The insurance company tried to weasel out of paying due to the policy being in the wrong state. The court said otherwise and made them pay up because he notified them of the policy change and they screwed up issuing the policy. Its not a hassle you want to deal with.

reply to RobNyc
I suggest you check-out the largest auto insurer in NJ - »www.njm.com
They're #1 for a reason (actually a bunch of good reasons).

reply to RobNyc
If you live in NJ, state law requires you to have an NJ license and your car to be registered in NJ (assuming it is normally kept in NJ).

You don't have a lot of flexibility on that.

The insurance people are going to charge you for insurance based on where you keep the car, and they will need to see the registration, so it seems you have no place to tell them anywhere but NJ.

Also, I think you were supposed to get an NJ license and register your car in NJ within 60 days of becoming resident there. You're on dangerous ground with the license, maybe.

reply to RobNyc
Thanks guys.

I will be getting a new vehicle soon (debating on whether finance or lease) will suit me better. I will be registering the new vehicle in my current (NJ) address, since thats where I been living for the past year and where I will be getting new insurance with. But I wasn't sure if it was a good idea to change all my personal info to my new address rather than my safe old parent address.

reply to RobNyc
I would recommend being as honest with your "new" Insurance as possible.

This is a big problem in my area, involving Washington and Oregon. Many folks in Vancouver, just across the Columbia River from Portland, will register their cars in Oregon, yet live in Vancouver. It too is a short drive. License, taxes and other fees are much, much less in Oregon. Though the penalty in getting caught, the last I read is quite high. And every once in a while will do a "sweep", that is well publicized in the News.

I moved from Oregon to Washington, recently to help out my aging parents and kept my vehicle licensed and insured in my old state for as long as I could. I am in an area with a lot of out of State Licenses from the Military Bases and drove the vehicle very little. I am way farther North and flew under the radar with the rest. I too still have ties and addresses in my old state and will eventually return. As I do not know how long I am going to currently live here.

Eventually, my Insurance contacted me as to my status and we switched States, no big whoop. Except my premium went up $8/mo and some of the coverages increased to my benefit with the Washington Policy. I assume there are databases that they subscribe to that alerted them.

I believe some of the Key Elements are - where is the vehicle garaged the most, where is your employment, where are your credit card/bank statements addressed, vote, address used by the IRS, where does one rent a apt or residence and such.

On the vehicle, I have a loan through my Credit Union in Oregon, my old State. When registering it in my new State's DMV, they left the Title with my old State and just changed addresses on it.

hth

reply to RobNyc
Also each state has different limits, so NY. may have a higher minimum limit than NJ. or vice versa.