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Don’t neglect your car insurance if you are moving
Moving is a busy, stressful time, but it’s important to not neglect your car insurance as you pack boxes, fill out change of address forms, and take care of all your other tasks. Especially if you’re moving to another state, you’ll need to make sure you’re driving legally and are covered by the amount of vehicle insurance you want and need.
Every state requires coverage of some type
You’ll need to make sure you have a new policy and that you’re adequately covered after your move. Don’t cancel your existing insurance before you have a new policy in force. In nearly every state, it’s illegal to drive without at carrying liability insurance. Some states also require Personal Injury Protection coverage.
In just a few states, such as Virginia, you can choose a different option, such as paying an Uninsured Motor Vehicle fee. You may still want to have liability insurance, and perhaps other coverage such as collision.
You’ll also need to make sure you’re carrying at least the minimum levels of coverage required by your new state. Although you can certainly choose to have a higher level of coverage, you’ll need to be sure you meet the state-mandated minimums.
Consequences can be serious if you fail to have insurance
If you fail to meet your state’s requirements, you could end up facing fines and legal consequences. You won’t be able to register your car, change your driver’s license, and get new vehicle plates without showing proof of insurance.
Depending on the state, you’ll usually have 30 to 90 days in which to register your vehicle.
The rules of each state are a little different. In some cases, you can register your car as long as you have insurance from your previous residence. You’ll then have to obtain your insurance in your new state and fill out a form reflecting this information.
If you keep your prior insurance and don’t update it in a timely manner, you’re breaking the law, and if you’re in an accident, your insurance company could refuse to provide coverage.
How to find information specific to your state
To find information visit to the state to which you’re moving, check the web site of the state’s Department of Motor Vehicles (DMV). Each DMV site will have information for new residents who are moving to the state, detailing specifics of registration and insurance coverage.
You can sometimes stay with the same company
If you already have a vehicle and insurance, you can often stay with the same company if you’d like to. But you’ll first need to contact your company and make sure that they also operate in the state you’ll be living in. You’ll also need to tell them where you’ll be moving and fill out forms so you can have a new policy to cover you in your new residence.
Insurance companies calculate that if you have bad credit you may get into above average car accidents and therefore file more claims. On this page we answers dozens of questions regarding auto accident effects are rates.
Your insurance rates could change
Also be aware that when you move, your insurance rates may change. The area in which you live can affect your rates. For example, if you’re moving to a more urban area, your premiums may rise.
It pays to compare
It pays to compare rates among different companies to make sure you’re still getting the best deal. Since you’ll need to take care of some paperwork when you’re moving and may need a new company, it’s an ideal time to use Insurantly.com to research different companies and compare rates.
If you do make a change, contact your old insurance company to cancel your policy and make sure they have your new address in case you’re due a refund.