If you move to a new state there is a long list of things to consider - make sure that you add switching your car insurance to that list. Moving across state lines will mean different insurance rates and different insurance laws. Your current policy will not cross state lines with you, so it's important to consider an insurance switch soon after you move to stay current and stay legal.
Where to Start Shopping after Moving Out of State
When you are compiling your long list of things to do when you are preparing to move, it's sometimes overwhelming to consider where to even start, especially when it comes to complicated things like switching insurance. The first thing you should do is contact your current insurance company representative. It's possible that your insurance company will also have an office in your new state and that you will be able to use them and just transfer your policy. While it won't stay exactly the same because different states have different insurance laws and different risk factors that influence insurance rates, you might be able to have your agent take care of business for you.
Moving out of state is also a good time to get multiple quotes from different insurance carriers. If you have to switch anyways, you might as well look around to compare insurance companies in your new area. Check online to see what is available in your immediate area. Checking the local phone book, or talking with your new neighbors to get a referral are also good ways to find a new agent.
Are there deadlines to switch?
The first few weeks after you move can be stressful, but it's important not to let switching insurance fall through the cracks. You only have a limited amount of time to switch your policy to your new state - both because of the laws of the state and also because of your insurance companies rules. You don't want to find out that you aren't covered because you're out of state if something happens. You also don't want to find yourself on the wrong side of the law. The best thing to do is to switch as soon as possible - it's easy to remember to do it when you are switching your car's registration and license to your new state.
How to switch
Once the new insurance policy in place, you need to contact your old insurance agent. Change your address at the same time you cancel your policy if you have not already done so. Updating your address will ensure you receive a refund check if one is warranted. It is always a good idea to request insurance cancellation once you are done with a policy.
Where to Start Shopping after Moving Out of State
When you are compiling your long list of things to do when you are preparing to move, it's sometimes overwhelming to consider where to even start, especially when it comes to complicated things like switching insurance. The first thing you should do is contact your current insurance company representative. It's possible that your insurance company will also have an office in your new state and that you will be able to use them and just transfer your policy. While it won't stay exactly the same because different states have different insurance laws and different risk factors that influence insurance rates, you might be able to have your agent take care of business for you.
Moving out of state is also a good time to get multiple quotes from different insurance carriers. If you have to switch anyways, you might as well look around to compare insurance companies in your new area. Check online to see what is available in your immediate area. Checking the local phone book, or talking with your new neighbors to get a referral are also good ways to find a new agent.
Are there deadlines to switch?
The first few weeks after you move can be stressful, but it's important not to let switching insurance fall through the cracks. You only have a limited amount of time to switch your policy to your new state - both because of the laws of the state and also because of your insurance companies rules. You don't want to find out that you aren't covered because you're out of state if something happens. You also don't want to find yourself on the wrong side of the law. The best thing to do is to switch as soon as possible - it's easy to remember to do it when you are switching your car's registration and license to your new state.
How to switch
Once the new insurance policy in place, you need to contact your old insurance agent. Change your address at the same time you cancel your policy if you have not already done so. Updating your address will ensure you receive a refund check if one is warranted. It is always a good idea to request insurance cancellation once you are done with a policy.
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