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Auto Insurance for the Homeless

Important facts to know...
  • Insurance companies will need a home address during your policy application
  • Depending on the state where you reside, some agencies will accept a letter from the homeless service provider to issue a driver’s license and insurance cover
  • Taking care of factors that are within your control may enhance your chances of getting affordable auto insurance rates

For you to drive on U.S. roads, the state auto insurance laws require that you must hold some minimum level of insurance coverage. Most states will additionally want proof that you’re eligible for an insurance policy by producing the relevant registration certificates or driver’s license.

Most states will want proof that you’re eligible for an insurance policy by producing the relevant registration certificates or driver’s license.

In other words, the address you list on your car insurance policy application should match the details on your driver’s license or automobile registration certificate.

The state authority must be notified in case of change of address. Since the insurance provider acts as your agent in matters relating to the policy, they need to know how to contact you or your next of kin in case of an accident.

Homeless individuals find it difficult to show proof of their address since most of them do not have one.

Here you’ll find helpful tips on how to acquire an affordable auto insurance coverage without a permanent address.

Compare car insurance quotes today to find the best rate for the coverage you need.

Obtaining a Driver’s License

Filling up an application for auto insurance requires a particular home address. To get a drivers license from any state, you must show proof that you’re the person you report to be.

The federal REAL ID Act requires all U.S. states to cross-check with every available identification source before issuing a driver’s license.

Every state may have different identification protocols in ways that can accommodate even the homeless and truck drivers traveling on long distances. Some states have made provisions to accept ID verification letters written by the homeless service providers.

The Department of Motor Vehicles in your state will provide you with the necessary materials on the existing identification rules.

You can also get in touch with the homeless service provider in your state and ask about which agencies will offer auto insurance coverage with the exception of submitting a home address.

If your state laws don’t allow acquisition of driver’s license and insurance coverage without the home address, you still have the option of contacting your state legislature and make a petition to have the rules amended.

The state legislators can access a lot of materials from the National Conference of State Legislatures that would assist them to make the necessary amendments.

Understanding Your Policy

Understanding your insurance coverage will enable you to get affordable insurance covers regardless of whether you have a permanent home address or not.

For example, the deductible amount is what the insurance company expects you to pay in case you’re involved in an at-fault accident, and you make a claim.

Full coverage insurance will cover for both cars regardless of who is at fault while liability coverage only covers for third party damages.

You want to spend less for your insurance, but you still don’t want to take inadequate cover that will leave you bankrupt in case you’re involved in at-fault accidents.

Once you’ve settled on the best policy, make calls to seek further clarifications on whether they’ll allow you to sign up for the policy without a permanent address.

Some insurer will allow you to sign up using a P.O. Box address. If you know a friend or family who can cosign for you, you may opt to use their address on a temporary basis.

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Transferring Your Address

For homeless individuals who eventually find a home, it is important to transfer your address as soon as you settle down.

Many insurance firms will provide online platforms to change address or you can simply make a phone call, and they’ll change it instantly.

However, you should be aware that the change of address may attract changes in premiums depending on the crime records of the locality and the commuting distances to your workplace.

For your car registration, many states allow you to use a P.O. Box code as your address. The DMV will forward any document or forms to your specified address.

Just be sure to check your postal box every now and again to ensure safe keeping of all your registration papers. It is also important to note the expiration date of your registration to avoid losing your number plate and insurance cover.

Whenever you get a permanent address, you can always visit your DMV office and change the address.

Some states like California, however, have strict rules that may be challenging for the homeless.

Many insurance companies won’t give you a policy unless you can prove residency in the state for at least six to ten months.

However, you can make several comparisons online and see which insurance company can offer affordable insurance rates in California, though you can expect to pay a little bit higher rates.

Factors You Can Control

Even though many states will tighten rules and hike insurance rates for the homeless, there are several other factors within your control that can help you get some of the best prices in the market.

The first step is to avoid purchasing a policy from the first insurance firm you land on. Get several online quotes and do a side by side comparison to get the best rates.

Until auto insurance providers settle on a policy to fairly assess risk levels for the diverse client base, you can begin to lower your premium rates by managing the factors within your control, even if you’re homeless and you’re categorized in the high-risk group.

Here are some of the factors you can control:

  • Speed – Every time you get a speeding ticket, it affects your auto insurance rates. If you keep accumulating more speeding tickets, you may eventually lose your auto coverage.
  • Drinking and Driving – Once convicted of driving a motor vehicle under the influence of drugs or alcohol, your insurance rates will drastically rise and you may have to content with higher rates for years to come.
  • Take Advantage of Discounts – Many insurance companies will give discounts based on your clean driving record, occupation, multiple insurance covers with the same company, etc.

If you’re not satisfied, it pays to shop around and find better rates. Use our free rate tool to compare quotes today.

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