SD Automobile Insurance for Nomads?

[mileena]

I plan to become a nomad in the next few years, and will tow my car behind my RV. SD will become my state of domicile.

When I apply for SD auto insurance, do I just list my mail forwarding address as my garaging address for my car? Does it matter that any claim I make will not be from SD most likely? Will the insurer know? Is there an add-on fee for full-time travelers?

Thanks!

[ol_Bombero-JC]

dons2346 wrote:

mileena wrote:
I got a quote and found insurance (Rapid City I believe) was about double the cost in SD than California or Nevada. The cheapest quote was for the high-crime and traffic Bay Area in California!

That's funny. I found that our insurance in SD was about half of what was quoted in CA

Ditto - about 1/2 the cost as compared to CA.

BTW - The insurance companies you check for quotes do *not* have to be in SD.

:W

[Just_Wandering_]

x2 on my dakota address have been useing them about 8yrs. have progressive ins through 1st Madison in Madison. have never had any problems.

[Cummins12V98]

mileena wrote:
I plan to become a nomad in the next few years, and will tow my car behind my RV. SD will become my state of domicile.

When I apply for SD auto insurance, do I just list my mail forwarding address as my garaging address for my car? Does it matter that any claim I make will not be from SD most likely? Will the insurer know? Is there an add-on fee for full-time travelers?

Thanks!

Contact this lady, she has EVERY answer you need. Contact her and report back. We have used her services for 3 years. She was GREAT getting our Domicile set up.

Terri Lund
My Dakota Address
110 E. Center St.
Madison, SD 57042
www.mydakotaaddress.com
Phone: 605-427-5863
Fax: 605-427-9626

[doxiemom11]

We also used Doughtery Ins in Sioux Falls SD

[dons2346]

mileena wrote:
I got a quote and found insurance (Rapid City I believe) was about double the cost in SD than California or Nevada. The cheapest quote was for the high-crime and traffic Bay Area in California!

That's funny. I found that our insurance in SD was about half of what was quoted in CA

[mileena]

I got a quote and found insurance (Rapid City I believe) was about double the cost in SD than California or Nevada. The cheapest quote was for the high-crime and traffic Bay Area in California!

[Dtank]

Discuss your SD residency (insurance, etc.) with one of the major mail forwarding services.
When I was a SD "resident" I used Americas Mailbox.

Recently, Escapees (Livingston, TX) has begun offering same in SD.

BTW - (and IMO) insurance is/was very INexpensive in SD!
Only about 750K residents in the entire state!

.

[mileena]

JimK-NY wrote:
We went through Dougherty in Sioux Falls. We thought we had a suitable full timers policy until we had a claim and found we had insufficient coverage. After a lot of looking at policies Dougherty set us up with a National Interstate policy.

BTW, I have no idea what you mean by a "garaging address." Your new address will be your mail forwarding address. This address issue has been discussed in other threads. It will not impact your insurance policy. But the idea of being "homeless" and nomadic bothers some financial institutions. Even the Federal government sometimes doesn't get it. Social security stated that I had to apply with a "permanent" address and a mail box was not sufficient. I just attached a short note to the application and I never heard anything. The application was processed.

How did SSA know it was a mail forwarder? Whenever I have used private mail carriers like The UPS Store, I write:

123 Main St., #332 (my PMB)
City, State, Zip

I do not write "PMB" or "Box". This is a dead giveaway. Otherwise, banks rebate companies might give you problems.

Also, for "garaging", that is an auto insurance term. They want to know where your car will be kept at night (or "garaged"), to calculate your rate

[mileena]

tinner12002 wrote:
I checked with my ins co, SF and they said if I used SD as my home base my ins would go up do to having so many hail storms up there. Not sure what the increase would be as I haven't done that yet.

I never thought of that. I was in Arkansas recently. We had golf ball size hail in April. Cracked my windshield, made numerous small dents in my car, broke my windshield wiper, and moved the position of the side view mirror. It was loud and scary to be in the car. I thought every window was going to break.

[tinner12002]

I checked with my ins co, SF and they said if I used SD as my home base my ins would go up do to having so many hail storms up there. Not sure what the increase would be as I haven't done that yet.

[JimK-NY]

We went through Dougherty in Sioux Falls. We thought we had a suitable full timers policy until we had a claim and found we had insufficient coverage. After a lot of looking at policies Dougherty set us up with a National Interstate policy.

BTW, I have no idea what you mean by a "garaging address." Your new address will be your mail forwarding address. This address issue has been discussed in other threads. It will not impact your insurance policy. But the idea of being "homeless" and nomadic bothers some financial institutions. Even the Federal government sometimes doesn't get it. Social security stated that I had to apply with a "permanent" address and a mail box was not sufficient. I just attached a short note to the application and I never heard anything. The application was processed.

[mileena]

Old-Biscuit wrote:


Now.....
How is your Medical Ins. going to be covered?
Under 65/not on Medicare can be a issue for SD Full Timers

I have Medicare (original), Parts A, B, and D.

I do not have Medigap though.

[jnharley]

No issues with filing a claim out of state. We received some damage from a rock off a gravel truck on good road while in Alaska. Cracked the windshield and dented the hood. Had it repaired after we returned to the lower 48. We are full timers and have our full timer RV insurance and auto insurance bundled because we get a better rate. We did not have to return to SD to get repairs.

[Old-Biscuit]

National Interstate specializes in RV Full Timers insurance AND companion auto.

Get quote thru broker.....Explorer RV or Millers Ins.

Great coverage.........very good customer service.......excellent rates


Now.....
How is your Medical Ins. going to be covered?
Under 65/not on Medicare can be a issue for SD Full Timers