Moving to a new state almost always requires switching
car insurance. States have different laws and
insurance agents are usually only licensed in the state they live. Moving to a new state is not an easy task. You certainly need to be organized. When it comes to
switching your car insurance it is important to have a plan.
What You will Need to Switch Car Insurance
Anytime you are
shopping for car insurance it is a good idea to start with your
declaration page. It will give your prospective agent an idea of where to start. Coverage may differ in your new state. It is important to be aware of any differences. You potential new agent should explain the laws of your new home state.
Where to Start Shopping after Moving Out of State
If you are moving to an unfamiliar state, you may not know where to start looking for car insurance. A good place to begin your search is with your current insurance agent. Your current agent should be able to look up other agents in your new location who sell insurance through the same insurance carrier. Your current insurance carrier might not offer insurance in your new location, but it is worth a try.
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.
Deadline to Switch after Moving Out of State
When organizing a big move to another state, you might be wondering how long you have to switch your car insurance. Switching insurance to your new state should be completed as soon as possible. If your insurance carrier knows about your move, they could set your policy up for cancellation. A good rule of thumb for a deadline is whichever comes first, your
insurance renewal or your license plate renewal.
Making the 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.
Moving to another state brings about a lot of changes. Take time to get settled before stressing out about your car insurance. It is important understand the laws in your new state and choose an insurance company that is a good fit for you and your family.
