How to Manage Your Car Insurance During a Move

How to Manage Your Car Insurance During a Move

So, you’re getting ready for a big move. You may already have your stuff packed up and ready to go, and you may even already have your moving truck in order. If you’re moving to some other state across the country, you may have already been doing your research on reputable cross country movers in your area.

When you are getting ready to move somewhere that is quite far away, particularly when you’re moving to another state, you may have several questions. Some of these questions may relate to your car insurance, and what you will need to do in order to manage it during your big move.

Plenty of Questions on Maintaining Car Insurance During Your Move

There are several questions people may have when it comes to how they should handle their car insurance during their move. Some of the most popular questions involve whether or not you need to switch your insurance when you move to a different state.

Some other popular questions involve informing your insurance company when you change addresses, as well as how folks can change their address with their car insurance company. These are all completely valid questions, particularly for first-timers who have never before dealt with a big move, and all of the extra things that process entails.

Will I need to change my car insurance if I move?

This is a very frequently asked question among movers who are just learning the ropes. The easy answer to this question is, maybe. Some states require higher levels of automobile coverage than other states, so you’ll want to check the laws on auto insurance for the state you’re moving to, and make sure your insurance policy stands up to the laws of your new state.

This can oftentimes play in favor of many people when they move. If, for example, your state has lower coverage requirements than the state you are coming from, you may be presented with an opportunity to make your premium lower.

If this is something you are interested in learning more about, go ahead and do some research on all of the laws in the state you are moving to, relevant to automobile insurance coverage. You may not need to change anything, or you may need to make adjustments to your policy. This will entirely depend on the laws of your new state.

How can someone learn about auto insurance laws in their state?

Make sure you have done your research well ahead of time before you ever move. You want to have everything on paper and fresh in your mind so you will know what you need to get adjusted before your move.

You definitely don’t want to be out driving without any insurance, because it is highly illegal in every single state it in the United States to drive without some form of coverage. So make sure you are aware of the laws of your new state! You may be wondering how you can find these laws, and the answer is pretty simple.

You can find laws on auto insurance for different states by looking it up on the internet, and several sites will show you insurance coverage laws by state. You can find yours and familiarize yourself with your new state’s laws before your tires ever cross the state line.

Another easy way to learn about your new state’s coverage laws is to just call your car insurance company and speak to an agent. You will also be able to ask some important questions, like whether or not your policy will continue in this new state the way it is or if something in your policy will need to be changed. This would be in your best interest, as you will want to keep your insurance policy up to your new state’s standards to be compliant with the law.

Do I need to let my car insurance company know my new address?

It is always a good idea to call ahead and let your car insurance company know that you are moving and that you will soon officially be changing your address. It doesn’t have to be a long process, and with some car insurance companies, you can even get a support chat live online, to make it even simpler for you.

Call ahead before your move to make sure your auto insurance policy is compliant with your new state’s laws ahead of time, and you’ll be covered the minute you get there. While you are on the phone with your insurance company, you can fill them in on some of the details of your move and they can go ahead and update your account with any new information and potential policy changes.

This will also let you know whether you will be able to continue business with your current car insurance company, or if you will need to find a new one. This is because some car insurance companies simply don’t operate in certain states. This isn’t something you need to be worrying too much about, however, because you can now get a quick and easy car insurance quote online from many reputable insurance carriers.

Once you know all the details about your car insurance company and the laws in your state, you will be able to update your policy and rest easy knowing that your car is going to be covered when the move to your new state is complete.

How do I change my address on my car insurance policy?

There are a variety of ways to get your address changed on your car insurance policy. You can do it over the phone with your car insurance company directly, or (with many car insurance companies) you can do it online via your insurance company’s website or a smartphone application.

If you opt to do it over the phone, simply obtain the number for your car insurance company and give them a call. Usually, you’ll be directed through an automated voice system, and then you will have the option to speak to a live agent. When you get an agent on the phone, give them the necessary information for your account and let them know that you are moving, and would like to change your address on your account.

Your insurance company’s representative should then be able to update your auto insurance policy right there on his computer, which will then reflect itself on your account. This is typically all you need to do, and you will also be able to let your agent know other relevant information to your account while you have them on the phone, if necessary.

A popular alternative to calling in for many people is to go online and use their car insurance company’s website or a dedicated smartphone application for changing the information on their insurance account. If you have the login information for your insurance account, simply navigate to your auto insurance company’s website and find the “Login” section. You should then be able to log in and see your account details and change some of the details such as an address, phone numbers, email addresses, drivers, vehicles, and more.

Some of this can also be achieved with a smartphone application, as more and more auto insurance companies put applications on the Google Play Store (for Android phones and tablets) or Apple App Store (or iPhones and iPads). This is great for customer convenience, as it allows policyholders to change anything on their account as needed, simply, from the comfort of the screens of their smartphone or tablet.

Are there any other details I should change in my policy when moving?

 There are a few things you will want to consider changing for your insurance company if anything besides your address is changing. There are a few things you will want to update with your auto insurance company if the time comes. Some of these things might be:

  • Is your phone number changing?

If your phone number is going to change before, during, or after your move, you will want to make sure you change it with the car insurance company, too. This is to ensure that your insurance company will be able to reach you if it is ever needed, or in the case of an emergency. 

  • Is your email address changing?

Some people opt for paperless billing in the digital age, and many auto insurance companies offer it. With paperless billing, many customers are able to receive their monthly bills directly in their email inbox, along with other correspondences. If this is something you want to do with your insurance, make sure you update your insurance account if you get a new email address. 

  • Are you adding a new driver?

This is one of the most important things to make sure you address. If you have a child coming of age and are adding them to your policy, or if you are adding any other person to your auto insurance policy, you will want to make sure you inform your insurance company about all the details of the person being added to your policy. If someone is pulled over in your car and they aren’t covered by your insurance, you could be financially liable for any costs if they have an accident.

  • Did you get a new car?

Maybe you got a new car, truck, SUV, or motorcycle. You don’t want to get pulled over while driving your shiny new vehicle without insurance coverage! If you get a new car and want to cover it so it will be street legal, make sure you call your insurance company or go online to update the policy with the details of the new car. You’ll typically need to be armed with the make, model, color, and VIN number of the car when you are setting it up with a new insurance policy, or adding it to your existing one.

What if I need to switch my car insurance completely when I move out of state?

 If you are not going to be able to keep your current automobile coverage in your new state, you are going to want to shop around for a new policy quote. Is this something you’re currently facing? Have no fears, it is really quite simple.

If you have to switch car insurance companies completely, you will be presented with a new opportunity. You will be able to shop around! Who knows, one of the companies in your new state may be able to help you get coverage for a lower rate than your previous auto insurance company.

Here are a few tips you can keep in mind if you find yourself stuck in a situation where you need to completely switch your auto insurance carrier:

  • Make sure you’re familiar with your state’s minimum coverage requirements

Your new state may have completely different laws than the one you just moved from, so make sure you know all the information on your new state’s minimum coverage laws. Ask your insurance company or do some research online to find this information.

  • Decide how much coverage is needed in your new policy

 Now that you know your state’s minimum coverage requirements, you can tailor your new auto policy around that. Do you want just enough insurance to be street legal, or do you want to make sure you are completely covered in the event of an accident? Obviously, the latter is going to be the safest option, but many people have different cases for what they are going to do with their vehicles. 

  • Choose your deductible

The next thing you will want to do is choose the deductible on your policy. Your deductible is what you will have to shell out of pocket in the event of an accident before your insurance company picks up the tab. usually, higher deductibles equal lower monthly premiums.

Move With Confidence 

Now that you know all the information you need to make sure your car insurance is managed when you move, you will be able to move with confidence, knowing that your car is covered. So get all your stuff packed up and hit the road, because you’re going to be street legal in your new state.

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