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.
How to start the switch
When you move you have a long list of things to get done, it might be hard to know where to start when it comes to insurance. The best place to begin is with your current insurance company and agent. Ask them if they have an office in your new state and if your policy can be transferred to a new agent in your new city or if they have any recommendations for your new city and state. While the law does not permit your insurance to stay exactly the same, it may be easy to just transfer if possible.
Moving is also a great time to shop around and find out if you can get a better price on your policy. Shop around using the internet, phone calls and any other means to see if there are companies in your new home that can offer you a more competitive rate. Asking around is also a great way to meet new neighbors and find out who people around you can trust and who you can trust in your new state.
How soon do I have 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 make the switch
When you move, if your current insurance company can't continue to cover you, make sure you get a new one in place as soon as possible. Before you cancel your old policy, get all the information and documents on your new policy, then call and cancel your old one. You want to be sure there are no gaps in your coverage. You may even be able to get a refund for the parts of your old policy that you will miss because of your move!
How to start the switch
When you move you have a long list of things to get done, it might be hard to know where to start when it comes to insurance. The best place to begin is with your current insurance company and agent. Ask them if they have an office in your new state and if your policy can be transferred to a new agent in your new city or if they have any recommendations for your new city and state. While the law does not permit your insurance to stay exactly the same, it may be easy to just transfer if possible.
Moving is also a great time to shop around and find out if you can get a better price on your policy. Shop around using the internet, phone calls and any other means to see if there are companies in your new home that can offer you a more competitive rate. Asking around is also a great way to meet new neighbors and find out who people around you can trust and who you can trust in your new state.
How soon do I have 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 make the switch
When you move, if your current insurance company can't continue to cover you, make sure you get a new one in place as soon as possible. Before you cancel your old policy, get all the information and documents on your new policy, then call and cancel your old one. You want to be sure there are no gaps in your coverage. You may even be able to get a refund for the parts of your old policy that you will miss because of your move!
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