Can I use a PO Box for my car insurance?

Most insurers will allow a Post Office Box to be used for billing purposes, but the address where the car is normally parked is required to determine your rates.

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Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance...

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Reviewed byDaniel Walker
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UPDATED: Apr 20, 2020

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Things to remember...

  • Many drivers receive mail at a post office box, and you can receive billing statements for your auto insurance at this location
  • Car insurance companies also need to know your physical address when you apply for rates for several important reasons
  • To save time when you are requesting new auto insurance quotes, have all of your contact information readily available to provide to insurance companies
  • Managing your car insurance policy by mail is just one of many ways to do so

Many drivers set up a post office box as a matter of convenience when receiving their mail, and others do so for the sake of privacy or anonymity. You may wonder if you can use your post office box when you set up your auto insurance policy as well.

While you may have legitimate reasons for wanting to provide only your post office box to auto insurance companies, most insurers need to know precisely where you live and where the car will be parked for several reasons.

If you are preparing to shop around for new auto insurance rates or if you want to begin using a post office box with existing policy for the first time, it is important to understand how your mailing address and physical address play a role in your car insurance needs.

The Information You Need to Provide When Requesting Car Insurance Quotes

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When you apply for a new car insurance policy, you will need to complete a rather lengthy application. This can usually be completed over the phone or via the Internet, and some people will even use the services of a car insurance broker for assistance finding the best rate possible on their coverage.

One of the details that you will need to provide when applying for car insurance is the full physical address where you live.

The Importance of Your Physical Address

Your physical address will be analyzed carefully to determine your rates, and statistics for litigation, car accidents, theft, and other factors within your zip code will be used in part to determine your rates. In addition, your physical address may also be used to calculate your commute length to work.

The average mileage you put on the car each year can affect your rates as well, so this is important information for the auto insurance company to have.

Because your physical address plays such an important role in your car insurance rates, you will need to update your auto insurance provider as soon as possible each time you move to a different location. Even when your post office box used as your mailing address does not change, your physical address chance can alter your rates.

Other Factors That Can Affect Your Car Insurance Rates

Keep in mind that your physical address is only one factor that will affect your car insurance rates. A few other details will also be required when you request a quote for new coverage, and this includes:

  • Your age and gender
  • Your driving history
  • Your claims history
  • Your credit scores
  • The vehicle that is being insured
  • Your coverage types and limits
  • Your insurance deductible

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How to Pay Your Car Insurance Premium

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Most auto insurance policies have a term of six to twelve months, and the rate quote that you receive will cover the full cost of the premium for this period of time. Some insurers will give you a substantial discount if you pay the premium amount in full up-front, but most insurers also offer a convenient payment plan.

This is typically a monthly payment plan, but you may also be able to set up quarterly payments in some cases. If you set up automated payments, you may also qualify for a modest discount with some car insurance companies.

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Using Your Post Office Box as a Mailing Address

When you set up your car insurance policy with a new provider, you can ask the provider to send all written documentation to you at a post office box. This may include billing statements, your full policy terms and requirements, your proof of insurance cards, and any other statements or notices.

An alternative to using a post office box is to ask your provider to send all information to your email address in digital format.

Options to Save on Your Premium

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Before you finalize the purchase of your auto insurance policy, it makes sense to take steps to reduce your premium as much as possible. After all, your car insurance premium will become a regular part of your budget, and keeping this expense low can help you to manage your budget in the months and years to come.

Shopping for Low Rates

Shopping around for low auto insurance rates is one of the most common steps that drivers take to save money on this expense. Rates vary considerably by the provider, and you may be able to save hundreds of dollars on your premium in some cases by simply asking a few different car insurance companies for quotes. Always by coverage from reputable companies that you have thoroughly researched.

Requesting a Higher Deductible

When you apply for a new auto insurance policy, you will be asked what deductible amount you prefer. A standard deductible for a car insurance policy is $500, but you may ask for this amount to be raised to $750 or $1,000. With a higher deductible amount, your auto coverage premium will directly be reduced.

Before asking your providers for a higher deductible, however, review your finances to ensure that you can afford to pay the deductible when you need to file a claim on your car insurance policy.

Using Discounts

There are also other great ways to save money on your auto coverage premium. For example, you may be able to take advantage of numerous discounts available for a wide range of factors. Some of the typical discounts that you may find through many car insurance providers include:

  • A discount when you bundle your auto policy with your home or life insurance policies
  • A discount for insuring multiple drivers or vehicles under the same policy
  • A good student discount for making excellent grades
  • A safe driver discount
  • A low mileage discount

While car insurance companies do need to know your physical address when you request quotes for coverage, you can use a post office box for mailing purposes. As you shop around for new car insurance rates today, keep these concepts in mind to help you set up an affordable policy that meets all of your coverage needs.

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