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people are always trying to gain the system theyre always trying to figure out a way to get cheaper rates a question I get often and what I want to cover today is if I have friends or family that have an address in a more rural area can now use their address on my insurance to get cheaper rates the answer most of the time is no heres what insurance wants to know and heres the way to do it by the books to make sure if something happens youre covered the insurance company wants to know where is that vehicle kept the majority of the time 51% or more of the time where is that beautiful cat so if you do have a cabin up north or a secondary home in a more rural area and you have a vehicle that you leave there the majority of the year then in that case yes list that address for that vehicle specifically and more than likely your insurance rates will go down for that vehicle because most of the time rural areas have cheaper rates in insurance so its a trick that if you legitimately have