A permanent address is an essential thing to have to be able to get car insurance. There are times in life where you may be moving to a new place and you might be wondering how you are supposed to get car insurance. Luckily, you should still be able to get insurance coverage. So long as you know where you are going to move, most insurance companies allow for a 30-day temporary address, which can solve your situation. Generally, so long as you know the address that you’re moving to, you should be fine. If you do not, you might have a tough time trying to get a quote from your insurance company because they don’t really know what kind of a place you’re moving to and the rate of accidents in that area.

Do I Have To Buy Car Insurance?

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Unfortunately, everyone in Canada has to buy car insurance to be able to drive on the road. You don’t necessarily have to pile on a whole bunch of liability and collision coverage onto your premium if you don’t want to. However, you won’t be able to come crawling back to your insurance company after an accident for compensation for something that you never paid for. It is important to remember that auto insurance isn’t exactly mandatory to protect yourself. The main reason for mandatory auto insurance is to be able to protect and pay for damages that you cause to other people. Personal injury and property damage does not take long to add up when a serious accident occurs. Most people do not have the money to be able to pay for these kinds of things. This is why everyone has to purchase auto insurance.

Can You Use A PO Box to Register a Vehicle?

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A PO box can be used as a mailing address to receive information from an insurance company. However, you cannot use a PO box as to register a vehicle. In order to be able to register a vehicle, an insurance company is going to need a permanent address. A PO box does not pass for a permanent address. An insurance company is very likely to check to make sure that the permanent address you give them matches a residence of some kind. If it does not, they will likely be getting a hold of you to ask you some questions.

What Happens If Your Auto Insurance And Registration Address Aren’t The Same?

If your auto insurance and registration address aren’t the same, it shouldn’t be long before you get a letter in the mail. The government has a system that checks addresses to verify insurance policies. Once a difference is spotted, they will send out a notice to you. The notice you get will likely be to provide proof of insurance coverage. If you don’t do this within the time frame specified, you can have your plates suspended. In fact, you can also receive a fine as it is illegal to drive without insurance.

How Does My Address Affect My Insurance Premiums?

Your current address has a huge impact on your insurance premium. An insurance company will look at all kinds of factors in your area to decide on a proper insurance rate for you. After you give them your zip code, you can be sure that they will be looking at local statistics. Things like crime statistics, weather patterns, the number of people living there, the spread of wealth in your area as well as how bad traffic tends to get. The more dangerous driving conditions are, the more you can expect your insurance to cost you.

Can I Get Car Insurance If I Have No Home Address?

If you are currently homeless, you might have an extremely tough time getting auto insurance coverage. Insurance companies want stability. Unfortunately, if you are homeless, you likely have no idea where you are going to be located. If you have no address, you could ask a friend or a family member to use their address, but just keep in mind that this might create some difficulties for you if you have to make a claim. The best way to get insurance is to find some kind of a home to stay at. It is not worth getting caught driving without insurance. Doing so is actually more than likely going to make it difficult for you to be able to get an insurance policy down the road.

Can I Use My Parents Address For Car Insurance?

Yes, you can use your parents address for car insurance. However, your parents’ address must be the location that the car sits at regularly when it is not in use. If you live somewhere else and are thinking you can use your parent’s address for a cheaper rate, you shouldn’t. Doing this is actually known as rate evasion. Rate evasion is serious and you definitely don’t want to do it. If you are caught, your insurance policy can be canceled. You can also have your claims denied and you can even face criminal charges.  Insurance companies tend not to treat misrepresentation lightly.  It is not something that you can easily get away with, nor is it something worth trying to get away with.

How Long Do I Have Before I Have To Update My Insurance Company With My Address After I Move?

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Depending on where you live in Canada, you might have different lengths of time to update your insurance company. Generally, you will have to do so within a 6 to 30-day timeline depending on where you live. One good thing about this is that, generally, you won’t be charged money for updating your address. A new license and registration for your vehicle will be sent to your new mailing address shortly after you notify your insurance company so that you have one less thing to worry about.

To Conclude

When you go to register a vehicle or start up a new policy it is extremely important to give your insurer accurate information. The cost of your policy as well as potentially the ability for you to be able to make a claim relies on you giving accurate information. Your insurance company should be one of the first people that you notify if you are changing your address. If you are caught with the wrong address, you can be penalized. It is not worth lying to your insurance provider. They will likely find out the truth at some point and then it is not going to be pretty for you.

Resources:

http://forums.redflagdeals.com/using-po-box-insurance-1053154/
https://www.autoloansolutions.ca/blog/4-reasons-to-avoid-faking-your-home-address-for-cheaper-car-insurance/