US Patent 11861719 Systems and methods for alternate location of a vehicle

A method comprises receiving geographic location data indicative of two or more locations of a vehicle, wherein the vehicle is insured by a first insurance policy. The method further comprises determining a second rating area covering a second location among the two or more locations of the vehicle, wherein the second rating area is different than the first rating area. The method further comprises determining that the second rating area requires a second insurance policy different from the first insurance policy and generating the second insurance policy for the vehicle based on at least the second rating area, wherein the second insurance policy has a second set of coverage parameters different from the first set of coverage parameters. The method further comprises offering the second insurance policy to an owner of the vehicle.