What’s So Important About Your Garaging Address?

The thing about vehicles is that they travel—all of the time. Of course, they take you from one place to another, but they also move with you from one home to another. You may even loan one to a friend in a time of need. That’s why you probably need to update your garaging address often.


Right now, you may be wondering how important a garaging address could possibly be. Just read through our primer on the subject and find out. Then, you might want to give us a call to update your auto insurance information. Our agents are always ready to help at 270-554-2105.  


What is a “garaging address”?


Simply put, your garaging address is the place where your car is typically parked—most likely, your home. And no, you don’t actually need a garage to have a garaging address.


Why is a “garaging address” important?


It plays a large role in determining the cost of your auto insurance. If you live in a more urban area, where there might be higher chances for vandalism or theft, your premium will be higher than that of someone who lives in the country.


Of course, you should always update your garaging address when you move houses. You also need to notify your insurance carrier, as well, if a friend borrows the car for a while. (Remember to list this person as a driver on your policy.)


Basically, if the car is parked in a new location for an extended period of time, then you need to update the garaging address.


There is an exception to this rule, though. If your child takes your vehicle with them to college, then you may not need to change the address. Your insurance information won’t need any sort of amendment as long as your son or daughter hasn’t permanently moved out of your home and it remains their place of residence.


What else do you need to know about garaging addresses?


Remember to update your insurance every time a new person moves into your home—even for a little while. Most carriers want all household drivers listed on a car’s policy so they can make sure those drivers have valid licenses.