Moving can be a big deal, especially if you are moving to a new state. Uprooting your life and starting in a new environment comes with lots of changes. Amongst all the tasks you must get done to ensure a successful move, you’ve probably put your car insurance and registration on the back burner. You may even be wondering if you need to change your car insurance if you move to another state. In this article, we’ll explain what you have to do and why.
Car Insurance by State
Most states in the U.S. require by law that drivers have car insurance. And all states require some proof of financial responsibility in order to drive a car on their roads. If you get pulled over or have an accident, you will need to provide proof of insurance. In addition, before you can register your vehicle in a new state, you’re probably going to have show proof that you have insurance. So, it makes sense to get auto insurance in your new state as soon as possible.
How Long You Have to Make the Change
You do have a grace period after your move before you are actually breaking any state laws around car insurance and registration. Every state is different, and you can contact the department of motor vehicles for your new state to find out their specific laws. Generally, you have anywhere from 30 to 90 days to transfer your driving-related information. This includes your car insurance, registration, as well as your driver’s license.
The first step you should take is to shop around for new insurance quotes in your new state. You may be pleasantly surprised if you move to a state with lower car insurance costs. Although, there are many reasons why your premiums may be higher in a new state, most of them out of your control. The best thing you can do to keep your rates low is to take advantage of discounts and shop around. Once you have new insurance on your vehicle, you should then be able to register the vehicle in your new location.
Once you have a new policy in place and your registration is in order, you don’t want to forget to immediately cancel your old insurance policy. If you just let the old policy run out, you may be missing out on your refund of unused premiums you’ve already paid. Make sure you request an insurance cancellation and that your address is up to date so you can receive your refund check.
If you’ve moved to another state and you’re ready to get your car insurance in order, use the Official Auto Insurance form to shop around for the best rates. You’ll also be able to see the companies with the best discounts. Moving is expensive. Make it a little easier by saving some money on your car insurance.