Primary location
I need some help regarding the location I need to use as my primary address, as AMA insisted I have an address I am at less often and has over double premiums, as my primary.
I recently started a hybrid diploma program where I will be in my hometown location for most of the month and out of town for 1-2 weeks for in person training. I started renting a cheap room in an apartment because I’m a broke student and it was about the price of renting a hotel for 5 days in the area, but I am still primarily in my rented room in my hometown and only in the apartment for 1-2 weeks of the month at most.
I made an appointment with AMA to update how much I am driving for my coverage and they said because I have classes in the city where I have the apartment, I have to have my primary location as the apartment that I will be at less of the time. I spoke with my parents thinking there must be a policy regarding attending schooling since they kept saying that was why I had to list the apartment I’m at less, as my primary address, but my parents stated it should not have been switched since I am in my hometown most often.
After calling and repeatedly explaining that my car will be parked and used in my hometown more and I only attend classes in person one to two weeks of the month, they still stated that it my primary location must be where I travel to for classes. The agent I spoke with then said it was because it was where my car will be parked most of the time, and I again explained that most of the time it will still be at my hometown. Everything I can find online says that my primary location is where I am most often which is not where AMA insisted it must be.
I’m planning to switch insurance providers because I cannot find any policy or reason for me actually having to have the the city I am at less often as my primary address, and it is over double my normal rate so it seems like the reason I was pushed to have it listed as that address is because they wanted my money. I’m just wondering if there’s something I’m missing or some reason I actually would need this address as my primary before taking the time to do so. Thank you so much if you can help :)