How does moving to a new state affect your car insurance? Let’s find out. Okay, first let’s remember the fact that there are existing time limits before you are allowed to switch registrations. In Virginia, you are given 60 days of grace period to change driver’s license. States like Massachusetts require you to make the change as soon as you make a move.
Keep in mind, even if grace periods exist, your insurance company is not as tolerant in providing continuous coverage. As soon as you change the garage location of your vehicle, your car insurance provider must know about it. After the report, a policy cancellation will be triggered. This will give you ample time to get a new registration. Some insurance companies provide services internationally, make sure to check as you might be able to avail discounts.
It’s not wise to wait until the move before you start switching insurance providers. Other states are not accepting insurance cards valid from a different state. For example, Massachusetts drivers often get in trouble because they aren’t required to carry insurance cards. That’s why when they drive in other states that do require such cards, they have nothing to present.
Don’t worry, since car insurance is required in most states before you can register a vehicle, having registration is proof that you are also insured. Canceling your registration cancels your insurance as well. Police officers in New York City are stricter when it comes to enforcement of car insurance related matters. Out-of-state insurance documents are not accepted by the state of New York.
How do you define being moved? You might be wondering at what point you become a resident of a different state. The most common determiner is the moment you become employed, open a bank account, or buy a home in that state. It’s better to start switching car insurance provider before you even commit the said actions above.
If you take action early, get quotes and take care of all the documents needed for switching everything else will go smoothly. The last thing you need to do is go to the Department of Motor Vehicle to change your registration. Lastly, call your agent and inform them of the policy activation.