12. Car insurance
Auto insurance is mandatory, even if you’re struggling. However, if you are living in your car, you are likely already violating one of the tenets stipulated in your insurance policy. This will mean that any claims will likely be denied and that you will be dropped by the insurer.Â
The issue is you also need a permanent address to get car insurance coverage. This is because car insurance companies use where you live as a rating factor to determine how much to charge you. A PO box won’t help you in this case, because they specifically need to know where the car will primarily park and be driving.
If your policy expires while you are living in your car, you will need to find a semi-permanent address to park your car. Some insurance companies will accept a temporary address like a friend or family's members home, provided you do plan to park your car there nightly. Keep in mind if you travel too far from this listed address or your insurance company discovers you aren’t regularly there, they can drop your coverage or deny a claim.