Auto and Car Insurance

Multiple auro insurance for vehicles in different states?

Me and my fiancee are relocating to different states for new job. I am moving to south Carolina and she is moving to san diego, California. We have multiple vehicle insurance discount now. If we move is it better to register both vehicles in one state to save on insurance , title and registration. I heard it is expensive to register vehicles in california. Can I register the vehicle in my name in south carolina. she is going to be there working at UCSD and the stay is temporary (max 2 years) or is it against the law? she will be working full time. I am on the title with her. thats why i am thinking about registering in south carolina in my address.

Public Comments

1. if she is living full time (over 6 months per year) in CA she needs to register her car and insure it in CA. The only way you can register the car in your name is if you are on the title. the titled owner must register and insure the car in their name.
2. All states require registration of all cars residing and working in the state. You will need to register each car in the state they will be used in. Multiple vehicle insurance only apply if the vehicles are in the same household. Last time I checked, California registration depends on the price you paid for your vehicle as well as the age and power train, 4, 6, 8 cylinders.
3. If she is in California, and the vehicle is living with her, it has to be registered and insured to her address. 2 years is not considered temporary, except in the case of military postings. She does not have to be on title. You can sign a "right-of-possession agreement", or an "agreement between parties". Call the DMV to see which of the documents they will accept. "Agreement between parties" is more common for private vehicles. It is like a lease agreement with no money, and allows her all priviledges with the vehicle except the right to sell. "Right of possession" is used more with vehicles owned by a business that are given to one employee for personal use. Both documents, however, allow you to retain ownership, and her to register and insure. As an insurance broker and registrations agent in Manitoba, I only used the right of possession document once in 10 years, but the agreement between parties was used on a regular basis. The person that said you have to be on title to register is not quite right. If you lease a vehicle, you have no ownership, therefor you are not on title, but millions of people still manage to register leased vehicles.
4. I smell fraud............