For the majority of car insurance customers, they will be buying a policy that covers a vehicle that they keep with them at their home and is registered in their name. However, there are some unique situations such as when a vehicle is not in the possession of the owner or is kept at a different address and still needs to be insured. If you find yourself in one of these unique scenarios, it is best to get familiar with the answers to some common questions.

Can you get insurance on a car that is registered in someone else's name?

In most cases, it is possible to get car insurance on a vehicle that is not technically a vehicle that you own. However, this is at the discretion of the insurance company. Some companies will refuse you coverage if the name on the insurance policy is not the same as the name of the registered owner. In some cases, the insurance company will require that you get written permission from the registered owner before you are allowed to buy a policy to cover the vehicle. 

What if the car is in your name but garaged somewhere other than your home?

If you are the registered owner of a vehicle and the title is in your name, it may not always mean that the car will be kept at your home. You can still get insurance on the vehicle in spite of this fact. However, it is important to remember that anyone at the location where the vehicle is kept who will be driving the car must also be listed on your policy. Some insurance companies will also charge a higher rate for a policy on a vehicle that is not garaged at your address. 

Is it a good idea to get car insurance on a vehicle you do not own?

There can be certain circumstances when you need to get car insurance temporarily for a car that is not technically yours, and that is okay. However, this is not an arrangement you should keep for very long. For instance, if you are driving a car that belongs to a family member who is deceased, you may have to wait until the probate process is over to get the car registered in your name. You can get insurance on the vehicle while you are driving it, but this should only be done for a short time frame. 

For more information, contact a company like R L Jones Insurance Services Inc today.