Are you planning on maintaining you residence in GA or moving your legal residence to another state?
I ask because state laws (not federal) govern auto insurance and those laws can differ from state to state. This leads to differences in coverages and rates even comparing policies from the same insurance company written in different states.
I would suggest contacting your prospective insurance companies and inquiring about how much a policy would cost in the state you will be residing in. Because policies are based on prior driving and ins history, your insurance quotes might end up being different than someone else's.
I would also suggest that you be honest with the insurance company if you plan to live full time in the schoolie. Other people on the forum might suggest you not disclose this information to the insurance carrier. That's their honest opinion, but I would suggest you think hard about the pros and cons of not disclosing.
First, if you get insurance on your vehicle through a company and you are involved in an accidentally, and the ins company learns that you live in your vehicle, they may refuse to cover the accident, based on your nondisclosure. This is a waste of money - paying for insurance you can't use. Second, they may consider it insurance fraud. This is a felony and considered a criminal act. Better to avoid it if possible and keep your freedom. Third, some companies do not offer full-timer insurance. This means that if you do have any claims on your policy, even if they pay and it seems as if you claim was covered, if the company later learns that you've been living as a full-timer they may audit your policy history and you may be charged with insurance fraud.
For me, this issue really came down to 'do I want to end up wasting money on a policy I can't use by not fully disclosing my full-time residence status?' Nope, I'd rather be safe than sorry.
~angie
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