Options for maintaining car insurance with no physical address

[Jim D]

I've been using Escapee's Florida Address and Mail Service for about 5 years

Others on the forum also use Escapees.....

NO Problems.....I have No Florida home anymore......I live in a van in the WEST....MY Escapees Address satisfies my Florida Driver's License and INSURANCE.............as well as Banking and $ocial $ecurity.........I can send for my mail to be delivered anywhere

AND ABOUT INSURANCE
When I bought this van my life long company said NO.....So I took the "SchoolieForumAdvice"............

Find an INDEPENDENT AGENT !...............My guy knows I live in the van........I NEVER see a bill directly from Progressive........Just the agency invoice.............and the "cards" directly from Progressive.......and never any questions about mileage/garaging or other BS from Progressive

YMMV..............Insurance is a State regulated business

I can't use Escapees. They do not have any plans or engagements in Nevada. Right now Escapees are useless to me. Nevada has a hell of a lot of BLM land but they are not here.

 

[aytee]

Beware of licensing your vehicle in these states. Texas, for example, requires an inspection every x (?) number of years. Not going to spout the exact requirements due to ignorance, but "buyer beware". CA, of course, has become a joke, even requirements for non-residents.

 

[dhuff]

Beware of licensing your vehicle in these states. Texas, for example, requires an inspection every x (?) number of years. Not going to spout the exact requirements due to ignorance, but "buyer beware". CA, of course, has become a joke, even requirements for non-residents.

Native Texan here. Yes, Texas requires yearly safety inspections. But if you're out of state when the date rolls around, no problem being a bit late. There are provisions for being out of state, see https://www.dps.texas.gov/section/vehicle-inspection/faq/general-inspection under "Motorist Out-of-State When Inspection Expires". This incls. RVers.

Texas can be a good state to set up your domicile. There's no state income tax, and the Escapees RV Club can get you setup with a domicile, mail forwarding, etc... out of the town of Livingston in Polk Co., TX. (as well as in Florida and South Dakota). Texas is one of several options, but it isn't a bad one.

 

[dreamrunnerjt]

Has anyone tried a dual address situation? Mail address different from physical address? I am considering renting my home while I am on the road.

 

[bullfrog]

^^^People do it all the time but results may vary depending on what state you are in and what you expect to accomplish by doing so.

 

[tamino]

Has anyone tried a dual address situation? Mail address different from physical address?

Me!

^^^People do it all the time but results may vary depending on what state you are in and what you expect to accomplish by doing so.

I can't speak for the OP. What I am expecting to accomplish is:
1. mailing address can be truly permanent, domicile address may change. I expect to still have the same Escapees mailing address in 10 or 20 years. Who knows if I will want to be domiciled in Maryland for that long, or if I'll find some better solution for domicile rather than the "ask a friend" option.
2. Escapees does scanning, they handle packages, they will never be annoyed by too much mail. I want to stay in my friend's good graces and minimize the amount of mail they get on my behalf. And the friend isn't going to do scanning.

In fact, the friend has been getting more mail for me than I would have hoped. Many places seem not to respect the "mailing address" that you give them, and they just send stuff to the residence address anyway. I'm slightly dismayed by this but what can you do. All I can do is just hope that over time I manage to keep the mail they get to a minimum, and that I can be a good friend and make up for any annoyance I might cause.

[Edit: I am aware that the USPS can do "temporary mail forwarding", which is a bit of a misnomer since the idea is you keep renewing it, so that it's effectively permanent for as long as you don't slip up and forget to renew. Now that I've realized how many places send mail to the residence address, I might look into doing this. I understand that you don't want to do "permanent mail forwarding" with the USPS because then the USPS will proactively let people know you've moved, which is what you DON'T want. I may investigate the temporary forwarding option, but I haven't yet. This is all new for me and I'm still getting a handle on it]

[Edit #2: There is confusion with my bank over what my credit card's "billing address zip code" is. The bank tells me one thing over the phone, but the reality when I get gas and I have to enter a zip code into the pump, seems to be completely different. Still figuring this one out.]

 

[bullfrog]

^^^In our case the address on file with the credit card company which is the billing address is the Zip code we use when prompted while buying fuel at the pump. Doesn’t have anything to do with residence, just happened to be where we had a P.O. Box while doing seasonal work and applied for the credit card.

 

[Sara in a Prius]

Checking in to share my car insurance surprise! I sold my house in Oregon last summer. My current residence is in the same state where a friend and his wife own a home. (It is currently important for me to keep my doctor, though I may reconsider this shortly.)

I updated my address with my car insurance company right away. They immediately removed the small discount I got as a homeowner. This month however they decided that I still lived at the old address and ADDED one of the people who purchased the home last summer. He's apparently a bad driver too because they then raised my rate nearly threefold.

Apparently there is a law in Oregon that all the people who live in the house need to be on the car insurance policy. (News to me.) This means that not only do I need to get this guy off my policy (which requires downloading, printing, signing, and mailing or faxing a form to them) but I need to add my friend and his wife (although I can state that they have their own insurance so my rate should stay the same).

I would love to hear whether others have experienced similar surprises!

 

[[email protected]]

Sara I had a similar situation, my grandson started using my address for his mailing address as his mail kept disappearing. I was then accosted by the insurance company as to why he wasn't on my policy. It took me 2 weeks and numerous phone calls to straighten it out. What a pain!