How do you insure a car used in one state for a vacation home?

If the care remains in that state all year you can talk with your agent about the situation. As long as the company does business in that state as well as your home state they might be able to list the garaging addresses where they are kept. This is where you need to have an Independent Insurance Agent to assist you. He deals with several different insurance companies and will likely be able to help you with any situation. Direct writers like State Farm or Farm Bureau deal with one company only and are actually employees of the company. For this reason they are working for the company and not for their clients.