I live in a state where insurance is through the roof, ive heard of a few cats telling insurance companies they live in a diff state and just get a friend who actually lives in that state to agree, the only downside to this is having out of state plates, my questions are is there any legal troubles that can stem from this and also is it worth having out of state plates and having to drive to that state every year for inspections???
Registering a car to a diffrent state for cheaper insurance
- Thread starter badboy100
- Start date
Sometimes you don't have to do it in another state. When I lived in NY I found that if I registered my car with an address of a different county it would be way cheaper. That way you still have plates from your state.
^^^^^^ that is the thing to do.
I heard that you can use a UPS store address also.
The key is that you have to completely trust the person that is getting the mail at that address. You could get a red light ticket for example or a registration renewal and never know. People do it all the time. The other thing that can be done is have the car put in an older person's name (insurance also, without your name) with a good driving record that is not living at the address on your driver's license.
I heard that you can use a UPS store address also.
The key is that you have to completely trust the person that is getting the mail at that address. You could get a red light ticket for example or a registration renewal and never know. People do it all the time. The other thing that can be done is have the car put in an older person's name (insurance also, without your name) with a good driving record that is not living at the address on your driver's license.
The OT insurance scam used to be the rage. That is until the insurance companies started getting smart. They will give you a hard time if you get in an accident or incident while outside of your "home" state. The other drawbacks are the harassment one gets from the pigs. I know in (Long Island) NY if the cops notice your car in town for excess of 60-90 days they will tell you that you are required to change your info (lic, car registration and ins) because you are considered a resident of NY after that time. The other draw backs you already know about (ie state inspections, renewals).
Once the cops notice your out of state plates will stop you all the time and ask you why you didn't switch them. Most people I know with out of state plates tell the cops that they are from Virginia (for example) and they only go to school or are stationed up here. Otherwise it will get you a fine because you are supposed to do a change of address 30 days after you move.
Bear in mind that you will have to go to whatever state your car is registered in and get it inspected, and you may pass for something in one state, but you may fail for it in the other. (Tints being the #1 thing.)
You're supposed to surrender the old license when you get the new one, but they usually don't give you as problem if you don't.
True indeed. badboy100, I don't what state you are in but when I was in NY I used a post office box from Larchmont, Westchester County. The actual address I used was from Windsor, NY and the rates were great. So good that in 2003 you could insure a 2003 Escalade for $800 a year if you were over 25. In the 5 boroughs of NY you would have to pay at least $5000 per year for the same truck. If avoiding that high price wasn't a sweet enough deal it was even better to have plates from the state I lived in. Having out of state plates gives the police another reason to stop you.
If that happens
if you don't have the game to get out of it.
- Some states require that you change to "in-state" plates if you're going to stay over 90-days. Military, Students, the sick get an exemption.
- Insurance companies are generally hip to the game, and if they catch you they may terminate your coverage.
- Insurance companies are generally hip to the game, and if they catch you after you get into an accident they may deny the claim or come after you later for arrears.
It's a dangerous game. Obviously people in NYC get NJ registration all day and night because the difference is so great, you could litterally save thousands per year, but for a hundred or two ... I wouldn't take the risk.
- Insurance companies are generally hip to the game, and if they catch you they may terminate your coverage.
- Insurance companies are generally hip to the game, and if they catch you after you get into an accident they may deny the claim or come after you later for arrears.
It's a dangerous game. Obviously people in NYC get NJ registration all day and night because the difference is so great, you could litterally save thousands per year, but for a hundred or two ... I wouldn't take the risk.
True indeed. badboy100, I don't what state you are in but when I was in NY I used a post office box from Larchmont, Westchester County. The actual address I used was from Windsor, NY and the rates were great. So good that in 2003 you could insure a 2003 Escalade for $800 a year if you were over 25. In the 5 boroughs of NY you would have to pay at least $5000 per year for the same truck. If avoiding that high price wasn't a sweet enough deal it was even better to have plates from the state I lived in. Having out of state plates gives the police another reason to stop you.
If that happens
So how does this P.O box thing work?? Just got to any Post Office in a diffrent county/city and get a P.O box and give ya Insurance company that address? cuz im lookin to renew/switch from allstate and im in Norfolk,Va and i know i can use a P.O box in Suffolk,Va (the country) where my girl lives and im sure i'll be saving hundreds every year..Id appreciate any help
Find a state that doesnt require in state licenses to register a car, there are more than a few left. Also, if the cops become an issue inform them that you are a temporary resident who pays taxes in both this state and your home state, tell them you're either an out of state student or a contracting employee (both spend significant time out of the state).
Another option is registering the car in the name of yourself and another (person who lives in the registering state). Be careful with who you do this with though, for obvious reasons.
Another option is registering the car in the name of yourself and another (person who lives in the registering state). Be careful with who you do this with though, for obvious reasons.
that would be awesome. Chris Rock spoke on this...
But back to the topic. I'm currently residing in Houston but my plates, registration and insurance is to florida. The mail that goes to my old FL address gets forwarded to my houston residence. USPS only does forwarding for a year. The beautiful coincidence is that I'm moving back to FL exactly one year from the time I move to Houston.
I have got a speeding ticket in Houston. And it was kinda a dilemma. But I just told the lady at the court office I'm here temporarily for my job which is 50% true. So I had to take that DVD driving defense shit and all that.
Yeah man use the P.O. box from that or any area you know has lower car insurance rates.
If they did this everyone's insurance would be thru the fucking roof!
I work for a very large insurance company.......and I price insurance products.
But I will also tell you that registering a car in a different state than you live........is one of the oldest tricks in the book and chance are you will get caught when you need your insurance.
Example of how this works.
Let say that you ACTUALLY live in NY but you have tags from Maryland.
When you get into an accident especially a one with over $10K in payout. If you get into this accident in NY and you have a NY phone number (obviously to answer the calls about your claim payout) that sends a red flag to the insurance company. The insurance company is going to have someone from their fraud department investigate you. When the pull your phone numbers, address from your utility bills, and job where you work. It will be very easy to see that you live in NY. after that your claim will be DENIED and you will be personally on the hook for any charges.
Insurance companies will verify your address, not all companies but the major ones will. They will know if the address you are giving them is a post office box or a real address. The absolute best thing to do is get a p.o. box at an upstate p.o. box and go with a smaller insurance company. I really should not be telling you this
if you are in NYS try http://www.gmacinsurance.com
Having out of state plates gives the police another reason to stop you.
If that happens
trust & believe that this statement is true! Once you get pulled over and can't explain why you are royally fucked!
FYI, If your a vet, you can get Veteran plates. Most local cops give vet props, staties are iffy. These would stop any further questions
Co-signed.For years I used my dad's address from a different county and saved a grip.
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