Out of state car insurance in MA (specific GEICO) Best answer on the web
I insure my car with GEICO. In last 2 years, I lived in about 6 different states. So far, I keep my car registered in DE and update my address with GEICO. They re-rate my premium based on address and state and they say they don't care where it is registered. I cannot waste my time transferring my driving license and title for couple of months to a state which I will leave anyways. I also want to be fully legal in terms of insurance, no need to keep it low by not changing to actual car address. So far, it worked fine with GEICO. I don't know how this works but I did not have any issues with Delaware DMV as my car was insured all the time.
QUESTION 1) Is this legal and how is this working?
Now, I have received a job in Massachusetts (MA) and GEICO does not work there. Now I am stuck! GEICO salesman said they cannot insure it there even it is registered in DE. (I assume they do not give a quote on it since they don't have info on it, otherwise an out of state GEICO customer should be covered by GEICO if he has an accident in MA)
I checked MA insurance companies and they are all small businesses and I doubt they would insure an out-of state car with a parking address in MA.
I checked MA DMV (they call RMV -registry of motor vehicles) and if have have to transfer my driving license and plates, it will cost me about $400 and may take up to 8 weeks. This project will be for 3-6 months. So even I get it, it will be just waste since I will not live there after I am done.
QUESTION 2) How many days can I wait to report that I moved to MA? (for GEICO and for DMV purposes)
I want to keep my DE plate and driver's license and also be legal in terms of insurance.
In Boston, I see many cars around with out of state plates. I doubt they tell they are mostly in MA to their insurance companies. However they are mostly students but I am a professional, I want to make things right, saving money is not a concern. But losing time and losing my DE plate is my concern now. I understand driving like this without telling anybody is an option. But I already know that answer.
QUESTION 3) WHAT SHOULD I DO?
Please be specific, this is the most important one. Please do not guess and only tell me if you are sure. I will evaluate your answers based on application to real life. If it is useful and helpful, that's what I want.
I'm sorry to hear that AAA didn't work out for you, I was sure it would. I'll have another look to see if I can turn up any other possibilities but if not, I'll ask the editors to remove my answer so your question can be re-listed in the hopes someone else can find a solution. Please be patient, given that it is the weekend, it may take a couple of days.
Sincerely,
hummer
If you are going to live in MA for only for 3-6 months, I'd hardly call that changing your primary residence to another state. You should be able to get AAA in Delaware and be covered in MA while you are there temporarily. When you called AAA, did you tell them you would only be there 3-6 months?
Q. Do I have to buy car insurance for MA if I have a car at MIT (regardless of what state I have plates from)? "A. As long as you have out of state plates you get insurance in the state that your car is registered at. You do however have to inform your insurance company that you will be residing in MA as a student. In one case, a student had a car from California, registered to CA and insured with a his permanent address in CA. He then informed the insurance company that the the car would driven and *garaged* in MA while I was a student here. They re-adjusted the rates a bit. There are two reasons you should inform your insurance company of all details: 1. Make sure they don't have any excuse to deny coverage. 2. Some insurance companies like Geico are not allowed to insure cars in the some New England states." http://tang.mit.edu/www/orientation/FAQ/
Question:
I'm moving to another state temporarily. Do I need to purchase coverage in that state? Answer:
"If you are moving for more than six months, the proper procedure is to purchase coverage in your new state. That way, you can avoid any potential questionable-coverage issues. And since many policies expire after six months, you would need to purchase coverage at that time, at your new address, unless you maintain a permanent address in your home state. If you intend to have a vehicle out-of-state for an extended period of time, check with you auto agent. There may be special problems with your coverage if you do not have your normal "drive to work" for an extended period. Keep in mind, however, that your current insurance policy says you are covered anywhere in the United States." http://info.insure.com/auto/faq/coveragechange.htm
Holahop, it makes more sense to me for you to find a DE company rather than a MA company and keep DE plates and license. Did you ask AAA that if you got insurance with them in DE, could you work in MA for 3-6 months?
Regards,
hummer
I will check with them on Monday and if they will to that, I will accept this question as answered.
AAA does not insure in any state where plate is not from the same state. They are not like Geico at all. Geico at least insures you as long as you keep correct address with them, they do not care about your plate.
So I have nothing new here, and your assumtion is wrong. I was busy and could not log in here to check and its not good to make any assumptions before waiting for my reply. I am back to out of state plate and insurance in MA and it seems there is no solution to this other than driving without any changes.
I believe the reason that GEICO doesn't cover MA is because MA is a "no-fault" state, whereas DE is not. Have you talked to AAA? They cover most (all?) states, including MA. Type in your zip code at the following link to find the office nearest to you (then "Insurance" tab at top, then "Auto Insurance", then "Agency Locations" at the bottom).
AAA
http://ww2.aaa.com/scripts/WebObjects.dll/ZipCode.woa/wa/route?stop=yes&
If they will cover you, you shouldn't have to worry about car insurance again. I will look forward to hearing what they say, please let me know.
Good luck,
hummer
I have been thinking about you and have wondered if you misunderstood my answer as I'm more convinced than ever that AAA is a good solution for you. I don't think it is a good idea for you to give up your current residency status in Delaware, but rather keep everything as it is and just switch your car insurance from GEICO to AAA (in Delaware). When it comes time for you to work in MA, just tell AAA that you have a short work contract there but that you are not moving there permanently. The reason for telling them is that they will adjust your file to reflect MA premiums because that is where you will be driving, but this in no way means that you will be making a new home in MA.
I'm sorry for any misunderstanding that we may have had. If you would like to discuss this further, please feel free to post more clarifications - I won't be happy until you are happy.
Sincerely,
hummer
p.s. I can't ask the editors to remove my answer because I believe AAA is sound advice. If you believe otherwise, you have the option to ask for a refund using the refund request form.
I was really happy to hear that you are already a member of AAA, and given that I haven't heard otherwise from you, I'm assuming that all went well Monday and AAA has turned out to be a suitable solution for you. Here it is again to make it an official answer.
I believe the reason that GEICO doesn't cover MA is because MA is a
"no-fault" state, whereas DE is not. Have you talked to AAA? They
cover most (all?) states, including MA. Type in your zip code at the
following link to find the office nearest to you (then "Insurance" tab
at top, then "Auto Insurance", then "Agency Locations" at the bottom).
AAA
http://ww2.aaa.com/scripts/WebObjects.dll/ZipCode.woa/wa/route?stop=yes&
Thanks again. If you have any questions or if I misunderstood your clarification, please post another clarification request and wait for me to respond before closing/rating my answer.
Sincerely,
hummer
Some of the Google search terms used:
state car auto automobile insurance de driver's license ma
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