Coverage for underinsured drivers is included with coverage for uninsured drivers, which is mandatory but can be rejected in writing by a designated insured. While it might be tempting to use someone else's address for car insurance to get better rates, you shouldn't. And if you're thinking about moving in the near future, car insurance rates may be worth considering. Car insurance needs your home address to determine what you'll pay, since location is a factor that affects rates.
One of the first pieces of information you'll be asked to provide when completing an auto insurance quote request is your address. Try to get a quote for your new address before you commit so that you can understand how your car insurance rates may be affected. Working with an insurance agent can also make things easier in this case, as they can submit their application to several insurance companies at once. Giving honest information when you take out an insurance policy isn't worth lying about your car insurance address.
Having an incorrect address in car insurance means that, even if you're not accused of insurance fraud, all your information will be sent to the address listed in your insurance company's files. To compare quotes from different auto insurance companies, enter your zip code on this page to use the free quote tool. Property and accident insurance offered by United Services Automobile Association (USAA), USAA Casualty Insurance Company, USAA General Indemnity Company, Garrison Property and Casualty Insurance Company, based in San Antonio, Texas; USAA Limited (United Kingdom) and USAA S. When you apply for your car insurance policy for the first time, the company that insures you will ask for your address.
If you don't own a car, but you borrow it frequently, you can purchase a third-party liability policy that pays for damages and injuries you cause to others while driving a borrowed car. Car insurance companies are more likely to deny insurance to people they believe are more likely to file a claim.