Abstract: A mobile device automatically determines the identity of a proximate automobile that has been activated, and further determines whether the automobile presently has active insurance coverage as one automobile of a multi-automobile policy. If the automobile has only base coverage, then the user is presented with a selection screen for activing coverage in order to comply with insurance requirements to operate the automobile on public roadways. Similarly, when the owner/user knows they will not be using the automobile for a long or indefinite period of time, then the active insurance can be turned off or transferred to another automobile on the multi-automobile policy.