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How Much Auto Insurance You Need When Moving to a New State

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Are you moving to a new state and wondering if you need to update your auto insurance policy? Every state has different regulations when it comes to car insurance. While many states require just basic liability insurance, others require you to carry additional coverages like uninsured/underinsured motorist and medical payments. If you’re relocating across state lines, make sure you update your policy to adhere to state laws. Even if required coverage is the same, you might want to shop for a new policy as rates vary according to your zip code. Here are a few tips to keep in mind:

Do Not Terminate Your Policy Before Moving

You should never travel across states without an auto insurance policy; it is illegal. Plus, if you get in an accident during a lapse of coverage, you’ll be financially responsible for any damages you cause. You never know when you’ll into a collision or get pulled over and have no legal coverage. While you can start exploring coverage options before your move, Upside Insurance Greenville suggests waiting until you’re settled into your new home to transfer your coverage. Most states give you a grace period to get new insurance (more on this below).

Register Your Car in the Allotted Time

Most states give new residents between 30-90 days to register their vehicle after moving. To register a car, you’ll need to show proof of insurance that complies with your new home state’s laws. To do this, inform your insurance company of your plans to move a month or two in advance, or shop around for a new policy. They will notify you of any new policies required, and any cost change. Then, after your move, you can switch coverage to comply with laws in your new state. Doing the work ahead of time to find coverage will help you get your car registered in the allotted time.

Start the Search with What You Know

Moving to the unknown state may prove confusing when it comes to looking for car insurance. Therefore, Cover Hound says an excellent place to start is with your current agent. If you’re happy with your current insurer, your agent can look up other agents in your new state that sell similar coverage.

You are required to inform your insurance company of your move, but this doesn’t mean you have to terminate your plan. In fact, your insurance coverage might just need an update to your new address.

Or Start Over with a New Policy

Moving across states is a good time to change insurance companies and potentially lower your premiums. It gives you an opportunity to compare companies available in your new location. Checking online or asking referrals from neighbors is an excellent way to find a new agent.

A lot of changes come with moving to a new state, so take time to understand the regulations of your new state and choose an auto insurance company that’s a good fit for you.

 

Renting in Philadelphia: The Ultimate Apartment Relocation Guide

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If you’re moving to or within Philadelphia and looking for an apartment, then this article was written for you. Where do you start? Which apartments can you afford? Which are more spacious? How many bedrooms and bathrooms? These questions and more will be answered in this helpful guide to renting… (READ MORE)

Local Moving Company Gives 7 Reasons People Love Living in Phoenix AZ

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If you are thinking about or planning a move to Phoenix, congratulations! The capital city of Arizona offers mild winters, affordability, and loads of entertainment, making it a great place to call home. Additionally, here are seven more things to love about living in Arizona’s prettiest valley: 1. No Ice… (READ MORE)

Money Saving Tips for Your Long Distance Move

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When you think about moving across state lines, one of the first things that probably comes to mind is the expense. While an interstate move can get pricey, it can be manageable if you set a budget and look for ways to save money along the way. By executing the money saving tips mentioned below, you could save hundreds, if not thousands on your next long distance move:

Schedule Your Move

If you can, try to schedule your move ahead of time, and do it during a time when long distance movers aren’t as busy. Experts recommend moving from September through May, when children are in school and most families try to avoid a disruptive move. By planning ahead and scheduling your move during a down time, you could save up to 30 percent off regular moving rates.

Drive Yourself

Driving a moving truck isn’t as hard as one might think. If it was, the government would more than likely require you to get a special license. Since most long-distance moves will be long stretches of easy-to-navigate highway, consider driving the moving truck yourself. Even if you hire a moving company to load your truck, this could potentially save you thousands since driving the truck is often the most expensive part of the moving process.

Look for Free Moving Boxes

Moving boxes and other moving supplies can really add up, but you can save lots by acquiring used boxes. Free boxes can be found just about anywhere, no matter where you live. Talk with a grocery store manager or even head to your local liquor store to see if it can supply you with discarded boxes. Even if they don’t currently have any extra boxes laying around, they may be able to set some aside for you the next time they receive a shipment. Don’t waste any money on boxes until you try these strategies first.

Get Rid of Junk

The more you have, the more space you’re going to need on the moving truck, which translates to more money spent. No matter when you plan on moving, now is the time to start de-cluttering your home and getting rid of anything you can’t or won’t use in the future. Whatever you don’t need can either be sold at a garage sale to raise funds for your move, or if you don’t have the time, consider donating it for a nice tax deduction. Don’t get rid of too much stuff, however. With each item, ask yourself if you will use it in the new home. If you haven’t used it in the last few years, now’s probably the time to get rid of it.

Do as Much as Possible Yourself

Lastly, do as much as you can, but always make sure you value your time. If it’s going to take you one hour to move a desk, you may be better off hiring local movers to do it in half the time. From packing up items to throwing a few things in a back of a truck, the more you do, the more you will be able to save. If you feel you have to hire moving professionals, don’t get scared just yet because a lot of times, hiring the right help can be a lot more reasonable than you think.

Whether your out of state move takes you to the East Coast or to America’s heartland, there are plenty of ways to reduce your moving costs. A little prep work and planning will go a long way in rescuing your wallet!