How do I insure two cars kept at different addresses?

UPDATED: Apr 11, 2017

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Asked April 11, 2017

1 Answer


This can be expensive, but it is doable. Here are 3 concerns people usually face with this dilemma:

  1. Two different locations will not always mean two different states.
  2. Some have more than one car sitting in two different households in the same area.
  3. Most policies will allow you to have 4 cars on one policy. These usually come with a bundled discount. Talk to your insurance company to make sure.

Here are a few scenarios that may apply to you:

  1. You are married with two cars on one policy. You may drive more than your husband. This will not matter to your insurance company. It will base the price on the number of cars and licenses each household has. It is best to have both of you listed as the primary driver on the policy.
     
  2. Say you have a vintage car listed on the same policy as the one you drive all the time. You can get a multi-care premium for a lower cost. You can also drop your vintage car, get in unregistered and drop your liability coverage. This is if you do not drive it at all. This can save you some money.

    You can also have the vintage car registered with a specialty policy. This can be combined with your other policy. You may even get a lower rate because of this.
     
  3. You have both cars at two different locations, but you switch off the driving every so often. This is for those who get a new car and still hold onto the old one. Do not give up on the insurance so easily. You will get a higher rate. You may be caught in an accident while driving it. This is going to cost you.
     

These are the 3 most common situations. You may or may not fit into one of these. Talk to your insurance company first. Explain things to them. They may have some more options for you.

Answered April 12, 2017 by fl_pc

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