Commuters with cars in different states....
 

My car insurance just dropped the policy on my airport car because its registered in IL and my driver's license is from FL. I guess it has to do with some new Homeland Security bs. Not only would it cost over $500 just to get the registration/title switched over, FL insurance is 2x as much as I'd pay in IL. Anyone else having this problem?

My car is registered in Florida, I have a Colorado license and I live in Illinois... not sure, but I haven't had any trouble...

Find a new insurance company. That one does not want you around.

You pay insurance based on where the car is located, not where you live, and that needs to be your domicile city. If you lie about that, you can get a lower premium but if you ever REALLY need that insurance (big liability claim) they will investigate the circumstances and deny coverage based on that fact that the car was not located where you claimed on your policy.

If it's really homeland security, the rule will apply to all insurance companies.

From what I have read, most insurance companies will not cover a car that resides in another state.

Can I insure my vehicle in another state to save money?

Wherever you establish your residency, you are supposed to obtain a drivers license within a set time period. Most states require it within 30 to 90 days. I would be getting that Illinois license.

Years ago I had my drivers license, license plates, and insurance in 3 different states. Then my girlfriend at the time (1996) got into an accident and the officer ended up writing her a $600 citation for not changing her license plates within 30 days of her moving back to her home state (Maryland). After that I always matched all 3 to the state that I call home (even if it is only for 8 months). It makes you feel more comfortable after a student driver rear-ends you and the police ask for your drivers license and insurance to include in the police report.
(Also got a letter to show up for jury duty in a state that I moved out of. The letter said I had to show up for court at a certain date or they would issue a bench warrant for my arrest. The only way out of it was to fax them a copy of my new drivers license showing that I no longer live in that state.)

Register for a 1 credit hour class at a local college, get a student ID, and tell your insurance you're a student. I know it sounds stupid, but that's the only way you can legally accomplish this simple task. Apparently, only students and military are allowed to have DLs in one state and a car in another.

i finally got my insurance & license plate switched after I moved, just need to get drivers license now.

quite frankly, my concern wouldnt be the insurance but getting pulled over and getting a ticket. (and hence a record which will help with that next job application ;) )

a buddy got busted in Michigan for registration and drivers license not matching, think it was $300 at the time...

I use USAA, live in California with two cars, and have one in Indiana (work car.) I am not able to get the multi-line discount for the car in Indiana, but I'm still able to insure it. I also have a rental property in Indiana, though. It's also insured through USAA, so that may make a difference.