{"id":2401,"date":"2015-12-11T14:20:58","date_gmt":"2015-12-11T20:20:58","guid":{"rendered":"https:\/\/usagencies.processmyquote.com\/?p=2401"},"modified":"2019-07-30T21:33:23","modified_gmt":"2019-07-30T21:33:23","slug":"is-using-a-different-address-to-save-on-auto-insurance-illegal","status":"publish","type":"post","link":"https:\/\/usagencies.confiedevstg.com\/blog\/auto-insurance\/is-using-a-different-address-to-save-on-auto-insurance-illegal\/","title":{"rendered":"Is Using a Different Address to Save on Auto Insurance Illegal?"},"content":{"rendered":"

You\u2019re tired of paying for high auto insurance rates<\/a> where you live, so you use a different address in a small town to save a few bucks. You figure, \u201cno harm, no foul.\u201d After all, your cousin\u2019s cool with it and what your insurance company doesn\u2019t know won\u2019t hurt them.<\/p>\n

Because where you live, generally, plays a vital role in determining what you\u2019ll pay for car insurance, fudging or outright lying when providing information for an auto insurance policy can end up costing you more than you might think. In fact, things could get quite uncomfortable as you\u2019ve essentially committed a crime known as insurance fraud.<\/p>\n

\"Busy<\/a><\/p>\n

While premiums can vary greatly from state to state and may even differ between neighborhoods \u2013 from one side of the railroad tracks to the other \u2013 auto insurance companies use an abundance of geographic information to set rates, including:<\/p>\n

\u2022<\/strong> Weather \u2013 good and bad
\n\u2022<\/strong> Crime rate \u2013 the higher the crime rate, the higher your insurance rates
\n\u2022<\/strong> Population \u2013 densely populated areas cost you more in auto insurance
\n\u2022<\/strong> Number of uninsured drivers \u2013 self-preservation tool for insurance companies
\n\u2022<\/strong> Incidence of DUI convictions \u2013 the more DUI\u2019s per capita the higher the premiums for policyholders<\/p>\n

\"Man<\/a><\/strong><\/p>\n

Insurance Fraud Is No laughing matter<\/strong><\/p>\n

Insurance fraud is no laughing matter. And, it isn\u2019t a victimless crime. If your insurer gets wind that you\u2019re not living at the address where your vehicle is registered, they will investigate. And, if they find out you\u2019re trying to pull a fast one to save on your rates, they won\u2019t be laughing.<\/p>\n

One of the ramifications of this type of insurance fraud \u2013 depending on the situation \u2013 could lead to your insurance policy being canceled. Your insurance carrier could also file criminal charges against you, which could result in a major fine, jail time, and extreme difficulty obtaining auto insurance in the future, if you\u2019re convicted.<\/p>\n

\"iStock_000011809454_Small\"<\/a><\/strong><\/p>\n

Denial of Claims<\/strong><\/p>\n

If you\u2019re not found out until you have an accident, but your insurance company discovers your fraudulent antics in the course of the claims process, your claim will not only be denied, you\u2019ll then have to deal with all the other stuff \u2013 policy cancellation, fine, jail, and no insurance. That means, all damage to your vehicle as well as others involved in the crash will be out of your pocket.<\/p>\n

In addition, you may have your driver\u2019s license suspended until the claim is fully paid to the satisfaction of the court. This, in turn, could ruin your credit should you be unable to pay the claim and \u2013 worse \u2013 if you caused severe injuries, you could face a lawsuit with no one in your corner\u2026even though you weren\u2019t at fault.<\/p>\n

\"Report<\/a><\/strong><\/p>\n

Legitimate ways to save<\/strong><\/p>\n

There are legitimate ways to save on your auto insurance rates you may want to consider. These include:<\/p>\n

\u2022<\/strong> Take advantage of discounts
\no Safe driver
\no Multi-car
\no Anti-theft device
\no Complete a defensive driving course
\no Multiple policies (homeowners, renters, auto)
\no Good grades<\/p>\n

\u2022 Pay as you go (if available)
\nThis is an insurance policy that only charges you for the miles you actually drive as monitored by your insurer.<\/p>\n

Are you getting the best rate on your car insurance? If you are not sure, call USAgencies now at (800) 420-3712<\/strong> to speak with an agent and get a free car insurance quote. You can also get a free auto insurance quote<\/a> online.\u00a0<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"

You\u2019re tired of paying for high auto insurance rates where you live, so you use a different address in a small town to save a few bucks. You figure, \u201cno harm, no foul.\u201d After all, your cousin\u2019s cool with it and what your insurance company doesn\u2019t know won\u2019t hurt them. Because where you live, generally, […]<\/p>\n","protected":false},"author":2,"featured_media":2407,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"rank_math_lock_modified_date":false,"footnotes":""},"categories":[14,76],"tags":[55,17],"class_list":["post-2401","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-auto-insurance","category-car-tips","tag-auto-insurance","tag-insurance-fraud"],"acf":[],"_links":{"self":[{"href":"https:\/\/usagencies.confiedevstg.com\/blog\/wp-json\/wp\/v2\/posts\/2401"}],"collection":[{"href":"https:\/\/usagencies.confiedevstg.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/usagencies.confiedevstg.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/usagencies.confiedevstg.com\/blog\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/usagencies.confiedevstg.com\/blog\/wp-json\/wp\/v2\/comments?post=2401"}],"version-history":[{"count":2,"href":"https:\/\/usagencies.confiedevstg.com\/blog\/wp-json\/wp\/v2\/posts\/2401\/revisions"}],"predecessor-version":[{"id":3282,"href":"https:\/\/usagencies.confiedevstg.com\/blog\/wp-json\/wp\/v2\/posts\/2401\/revisions\/3282"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/usagencies.confiedevstg.com\/blog\/wp-json\/wp\/v2\/media\/2407"}],"wp:attachment":[{"href":"https:\/\/usagencies.confiedevstg.com\/blog\/wp-json\/wp\/v2\/media?parent=2401"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/usagencies.confiedevstg.com\/blog\/wp-json\/wp\/v2\/categories?post=2401"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/usagencies.confiedevstg.com\/blog\/wp-json\/wp\/v2\/tags?post=2401"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}