2 cars, 2 people, different states and 1 Auto Insurance Policy

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nvtech
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2 cars, 2 people, different states and 1 Auto Insurance Policy

Postby nvtech » Mon Apr 08, 2013 10:44 pm

Credit Gurus,

I don't know if this is a right place to ask this question but since it says everything except credit cards, I want to ask your advise.

This is about me and my wife. I work in NC and my wife doing Phd in Pennsylvania (UPENN). We commute a lot.( fly 4 times a month :( )
I cannot relocate as of now because of my weird immigration issues.

I am an experienced driver..8 yrs of Drivers History and excellent credit.
Wife good credit..unfortunatleya new driver..got drivers license 10 months back.


We have 2 cars both registered in NC. Its time of renewal for registration in 3 months from now.
Currently both of us are on a same 12 month policy costing little under 1k.
Tried to get some individual quotes for my wife and the lowest 12 months quote for Penn. Its costing $1500.

Wife is not an experienced driver and so far she has been driving between her house and the univ.
The choice I have right now is to fly out to Phili, drive the car to CLT, get the pollution check and renewal..Drive back to Phil and fly back to CLT.
Looks hectic and weird... ;)
Don't want to swap cars as she is driving a new one. If its the only choice I might think about it.


My question:

Is there any way, we both can register our vehicles in different states and still be in the same policy. I am trying to see if I can save something.

Please suggest me something and appreciate your ideas.


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djrez4
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Postby djrez4 » Tue Apr 09, 2013 9:18 am

I'm almost positive you can. Have you tried calling your current insurance company to ask?
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nvtech
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Postby nvtech » Tue Apr 09, 2013 9:57 am

I did call my insurance company Amica. What I was told is we can be under the same policy as long as my wife keeps the NC plates and Drivers Licence. I was told her garage address will be changed to the one in Penn.

If this is the case, I still need to get the registration renewal and pollution check in NC.

If my wife need to switch the plates to PENN, Insurance company told we would end up in 2 separate policies.
If this was the case, my whole insurance costs for 2 cars are going up to an upward of $2500.

I can avoid the pain of travelling 4 times by registering her vehicle in the other state but I am not sure if spending $1500/yr additional is worth.

DavidNY
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Postby DavidNY » Tue Apr 09, 2013 10:03 am

Get quotes from other insurers.

nvtech
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Postby nvtech » Tue Apr 09, 2013 10:06 am

I shopped around 12 insurance companies and the cheapest 12 month I found is $1500. All I am concerned is about the "State Inspection" for which its a mess to travel all around.

swipe_masta
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Postby swipe_masta » Wed Apr 10, 2013 12:17 am

nvtech wrote:I can avoid the pain of travelling 4 times by registering her vehicle in the other state but I am not sure if spending $1500/yr additional is worth.


Looks like you already have the answer... It might be a pain in the a**, but at least it won't be a pain in your wallet.

flan
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Postby flan » Wed Apr 10, 2013 9:39 pm

Check with the NC DMV (or whatever agency deals with licensing). they may have provision for dealing with cars owned by residents who are out of state for school. It's not that weird a situtation, after all. They may give you an extension, or (less likely, but worth investigating) allow a PA garage to do the inspection.

nvtech
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Postby nvtech » Thu Apr 11, 2013 8:56 am

yup..every year..the month of July..Just sucks for me.

DoingHomework
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Postby DoingHomework » Fri Apr 12, 2013 11:34 am

What flan said...

I live in Arizona and am not at all familiar with what NC does. But in AZ there is definitely a provision for dealing with a car being out of state. And those provisions are there to deal with two major groups of people: students and the military. Given that NC is a major military state I would be almost certain that they have procedures for doing this. You should call the DMV. Arizona also has a little-known program where you can file an affidavit saying the vehicle will not be used on state roads during the year. That lets you register it without going through emissions. There are VERY hefty fines though if you are caught on state roads during the year (and they use highway cameras to automatically check as I understand). I did this once and even most of the clerks at the DMV were unaware the option even existed.

As for keeping a single policy, that should also be possible but is not guaranteed. Insurance companies can get really picky when it comes to that kind of thing. Even if Amica does business in both PA and NC it would likely be two completely separate subsidiaries. If your wife is a legal resident of PA then she might only be able to get insurance through a PA company. Given that she is a student there might be reasons that it would be better overall for her to be a PA resident.

All in all, what you want to do should be possible. But you have a lot of issues going on and could definitely get the runaround when trying to get information.

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Re: 2 cars, 2 people, different states and 1 Auto Insurance Policy

Postby SameThingHere » Tue Jan 17, 2017 12:14 pm

Hey, not sure if your still active here, but google brought me here while searching for info on what is basically the same question. If you see this, can you help a guy out and let me know what you ultimately figured out?



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