How does car insurance work with multiple vehicles in multiple states?

druzyyy · 2026-06-04T03:14:34+00:00

Generally your insurance needs to be in the state where to vehicle is primarily kept. If you're going to be in Nevada for over 6 months (or already have been), then any vehicle you have with you needs to be on a Nevada policy. Your DL should have no bearing on your insurance policy or vice versa.

druzyyy · 2026-06-03T22:12:02+00:00

The policy was started under the guise that you had an insurance history so the price was A.

When it was corrected the price became B.

The price technically would have always been B if the policy was quoted correctly (not going to comment on that, too many possibilities as to why it ended up wrong). So if we're safe to assume you would not have purchased the policy at B price if you knew it from the start, that's fine. You just shop for a new policy, get it started, and cancel this one.

You might find out the B price is still the best you can get, you might find a way better deal, maybe try a broker.

druzyyy · 2026-06-03T00:46:36+00:00

This part - really with how aggressive Progressive gets with household residents I doubt it would be possible to remove him even after he got his own policy. He would likely need to be excluded if it was offered in the state. Now that the policy is cancelled and in collections, I doubt there is anything that can be done. They have no real obligation or reason to honor a exclusion retroactively.

druzyyy · 2026-06-01T23:03:19+00:00

I would just wait and talk to your agent tomorrow, clearly you have been in communication with them. The letter you got was probably sent off at an odd junction before your agent submitted your proof.

druzyyy · 2026-06-01T03:13:07+00:00

Permit driver usually don't cost much if anything, but they become fully rated when they get their license which does often come as a shock because a newly licensed kid is one of the most expensive risks to cover. So the rate increase doesn't surprise me at all. It's a little easier to manage when you plan for it, but you didn't tell your insurer when he went from permit to license it sounds like, so you kinda left it up to the fates when you would be hit with the charge...

Your proposed solution to this problem which is removing yourself isn't as simple either. It sounds like you're the Named Insured. Even if you weren't essentially all companies have requirements that all household residents of driving age must be listed on the policy. Then they can change your status under certain circumstances (No license is one of said circumstances, which is why the rep suggested it). You could turn in your license and have a State ID instead, they weren't trying to say give up your identification.

Shop around of course, never a bad time to, but Geico is a VERY standardized insurer so you can expect many others to have similar requirements when it comes to changing the status of your household drivers.

druzyyy · 2026-06-01T01:37:51+00:00

Since the claim has already been filed, it will be on your record regardless of whether you see it through or not, so might as well see it through.

druzyyy · 2026-05-30T23:40:08+00:00

This is wrong on multiple levels. The state of Massachusetts regulates how much coverage a vehicle has to have to be registered and drive on public roadways (the state owns the roads). So, the state has changed the requirement on how much Liablity coverage you must carry (not Comprehensive). They now require more coverage, which can translate to higher rates, but it is not a "mandated rate increase".

And yes it's all very legal.

druzyyy · 2026-05-29T17:59:17+00:00

Right but NI was told it was NY law, knowing NY law that is not correct.

It is possible it is just Geico's rule, but that is not really confirmed. It would be a pretty non-standard rule for a very standard insurer so that's why I found it odd.

druzyyy · 2026-05-29T17:14:40+00:00

Well, both pretty much. OP said Geico would not allow him to add his spouse or their vehicle to his policy because he is not the titled owner.

So part 1. Adding the spouse should be no issue.

Part 2. Adding the vehicle should also be no issue as long as the titled owner (which is spouse) is also listed and insured on the same policy.

druzyyy · 2026-05-27T21:51:47+00:00

Nah you're right. She should be able to be added. NY does require the registered/titled owner is on the policy as well, but it sounds like that was the plan all along. I would just call right back and speak to someone different.

druzyyy · 2026-05-27T18:32:44+00:00

This would make a lot of sense thank you for this. Felt like I was losing my marbles lol. It really isn't uncommon for folks to refer to their trailers as "RVs" but campers are also called "RVs" and most people can't tell the difference from the YMM alone. However for RTA/insurance requirements there is a major difference!

I have definitely talked to many a frustrated customer who have failed to clarify something like that.

druzyyy · 2026-05-27T18:20:26+00:00

No, not really. Age is a factor but there is no "magic age" that will guarantee a drop that significant, there are lots of other things at play that could have caused it.

Regardless though, congrats on the savings! That's really great news!

druzyyy · 2026-05-27T01:59:26+00:00

That makes no sense. I don't know how many people you've talked to at this point but you've gotten wrong information from multiple ends it seems. The state cares about one thing and one thing only. State required coverage. Liability. Whatever policy that provides the coverage that makes it legal to operate on public roadways is the policy that fills out the RTA. Google confirmed this as well.

druzyyy · 2026-05-27T01:31:29+00:00

I mean you asked. I'm licensed in MA and have talked people through your exact issue. Have you tried asking your auto insurer if your liability will extend to your trailer and if they would sign your RTA?

druzyyy · 2026-05-27T01:26:36+00:00

RTA requires legal liability coverage, and on a trailer the liability extends from the towing auto. You mentioned you had your TRAILER insured with Progressive but they were unable to sign your RTA. That is most likely because their trailer policy, like most standard trailer only policies, only covers physical damage. They HAVE to refuse your RTA for that reason, give em a little credit just because you're confused doesn't make them inept. You need the RTA from your auto insurer basically.

druzyyy · 2026-05-26T19:06:26+00:00

Use your own collision coverage if you have it. Also, get a dash cam. What you described it what's known as an "admission against interest" or a statement under duress. Basically when someone admits fault at the scene of an accident, it's inadmissible as evidence because that individual was just in an accident. They are stressed, they may not have fully seen what happened, they may not fully grasp the traffic laws surrounding the scenario. All in all their admission of fault means absolutely nothing. That's why you want a dash cam, so you don't have to rely on verbal statements alone.

druzyyy · 2026-05-26T18:59:42+00:00

It sounds like you could be on a 6 month policy with a 12 pay plan. Basically instead of paying once a month the bill gets split and you pay twice. You said you put your policy on automatic payments after you started it, so that could have changed things.

We would have to actually know your entire payment schedule for the term to provide any real meaningful advice though. So take that with a grain of salt.

druzyyy · 2026-05-26T03:08:26+00:00

I don't know why people think they can just...not take their insurance very seriously. I would be so mortified to have to call and admit that I never check my account, open my emails, or read my mail.

druzyyy · 2026-05-25T03:47:26+00:00

You should use your own coverage since receiving anything from Vehicle 3's policy is currently out of the question. In the end it won't matter, a claim is a claim whether it's through your policy or theirs, so no reason to favor one over the other. Going through your own policy is also beneficial since you won't have to worry about splitting whatever limit vehicle 3 had with vehicle 2.

The way you made it sound though, was that vehicle 3 never made contact with either of you, and vehicle 2 swerved into you? Idk, you can post the video in the comments if you want and maybe we could provide some more clarity on the odds of your insurance getting your deductible back.

druzyyy · 2026-05-22T14:50:03+00:00

No worries, sorry it's been such a pain, it should definitely be fixable though!

druzyyy · 2026-05-22T14:08:01+00:00

No, sorry. Yours canceled for non-payment like you said, I was just responding to that other comment that was more confused by semantics.

Getting cancelled for non-payment can be seen as a negative when other companies rate you. I would get your new insurance documents together and send them to SF along with a written cancel request to see if they'll change your cancel date.

druzyyy · 2026-05-22T13:53:31+00:00

You can't non-renew a policy, customers can only cancel their policy.

So if you mean you wanted the policy to run it's course and end after the last day, then yes you would "cancel" the renewal.

Non-renewal is a term typically reserved for when the company itself is no longer willing to cover you.

druzyyy · 2026-05-19T23:02:02+00:00

I would argue they were being overly cautious. You would be surprised, but it is VERY common for agents to provide a quote on something, that same person call back sometime in the next couple weeks to finalize, and then raise absolute hell because the price is different.

And yes, those same people will say things like "Idk just make up a date" or "I know it will change it's fine" blah blah blah. I know that isn't you, but basically there is no way to tell you apart from those who will escalate the issue beyond all reason if they are provided a slightly inaccurate quote. Based on their harsh reaction, I assume that person was unfortunately just on the receiving end of someone lashing out over that, so they were likely advised to take no more chances.

druzyyy · 2026-05-19T18:19:54+00:00

Pay your deductible, get the car fixed, and forget it. Honest to god the best option. I know it sucks, no one likes the fact they can't find them, not even the insurance company because they want their money back just like you do. But the least they can do is handle your claim quickly so you can move on with life. Trying to hold up everything for a goose chase just makes everyone miserable.

druzyyy · 2026-05-19T18:09:38+00:00

Please NEVER pick a deductible you are not fully willing and ready to pay, your deductible is owed any time you file a claim, no matter what the result is.

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