January 11, 2012

Finding New State Auto Insurance Requirements When Moving

Auto insurance, just like health insurance, has been on the rise for some time now. The rise has come as more accidents mark the statistics and more and more teen drivers hit the road. While prices for auto insurance have gone up, the amount of coverage has stayed about the same. There are ways to save some money when shopping for auto insurance by going online and looking for quotes from several different agencies. People can also save time by buying their auto insurance online. One of the things that everyone must consider when buying insurance, however, are the state auto insurance laws. Because car insurance is regulated by the state and not the federal government, each state has their own laws of the road that must be abided by. The car insurance deductible, for example, is just one of many facets that can be affected when moving from one state to another, so it's important to learn the new requirements.

State auto insurance can be drastically different from one state to another, which is why it's important to find out as much information as possible before moving. It may be possible to find out about the new state requirements from one's own insurance company. Oftentimes, insurance companies will have a branch or sister company in another state for which they can provide information. Other times, the agents from most insurance companies will be sad to lose a customer, but will gladly provide as much information about another state as possible in order to keep the good relationship in case there are referrals or the customer returns to that state.

The car insurance deductible is one thing that may be different in another state. While some states allow a driver to choose what their deductible is, others requirement a minimum amount that can often be higher than in other states. This affects overall costs for insurance, so finding out is critical. The same goes for the minimum amount of coverage a driver can have to operate their vehicle. This differs wildly and can affect overall costs to own and operate a vehicle.

One of the quickest ways to find out about different requirements is to go online. Although one's agent may be able to help, they may not have all of the information that's pertinent to one's specific policy decisions. There are online agents that can provide information from other states and there are motor vehicle departments for each state that can also be of some help. Just about everything can be found online when it comes to auto insurance; it's just a matter of finding the right sites and reading everything.