Why Your Garaging Address Matters

(Photo Credit: Fotolia)

How much you pay for your car insurance depends on many things. These include what kind of vehicle you have, how many miles you drive, and who the operators of the vehicle are, among others. Where your car is primarily garaged is also an important factor in calculating premiums. Generally, this is your primary residence.

It is important to make sure the garaging address on your policy is correct. If you move or spend the majority of the year with your car away from your principal garaging address, you need to inform your agent so your policy remains up to date. Failure to do so may result in a denial of a claim and possibly a cancellation of the policy.

If you are unsure of what to do, you should contact your Agent to discuss your specific circumstances.

On Sunday, Nov 16, 2025, at 12 AM ET, we will be performing scheduled maintenance on our systems.

During this time, our payment system will be inaccessible.

We estimate that our payment system will be back online by 12:30 PM ET. We appreciate your patience and apologize for any inconvenience this may have caused.

On Sunday May 31, 2026, beginning at 9:00AM ET, we will be conducting scheduled system maintenance. During this time, Pay Online, Policyholder Login, the My Insurance website and Mobile app will be temporarily unavailable. We anticipate services to be restored by 11:00AM ET. Thank you for your patience as we complete these updates, and we apologize for any inconvenience.

Happy Holidays!

Our offices will be closed on 12/24, 12/25, and 1/1. On December 24, a limited staff will be available from 8:30 AM to 4:30 PM to assist you. We appreciate your partnership throughout the year and wish you a safe and joyful holiday season.

NOTE: Policyholders impacted by recent winter storms can report a claim online, by phone, or through their independent agent. Once your claim is received, it will be reviewed and assigned to a Claims representative, who will follow up as soon as possible. Visit the “Report a Claim” page for more information.
Click Here for important reminders on preventing additional damage caused by winter weather."