It is based on your location. It's difficult to rate a vehicle being driven by a person in another state. Of course, insurance companies do it all the time for parents of college students, but even if they live in another state during the school year, would still consider their parents' homes as primary residences. This creates a "loophole" of sorts as far as insured drivers, insured vehicles, etc. go). The premium you pay is based on you and your location. Don't get yourself into a material misrepresentation situation where coverage is denied because you kept important information from your carrier. It is based on the garaging location of the vehicle not the state the vehicle is registered in. Some states like New York will fine you and suspend your drivers license if you have another state policy and have NY plates. That is why you have to surrender your plates to the DMV before or within 15 or 30 days of when you move. Or alternatively find an insurance company willing to write a NY policy for you while your vehicle is in Georgia or something. Good luck with that.
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