Moving to a new place can be a fun and exciting adventure (depending on the circumstances, of course). But don’t let your insurance coverage get neglected in the process. As soon as you move, your provider needs to know so that they can adjust your rates accordingly. And it can benefit you too, because moving from one area to another can sometimes save you money!
A big move – such as moving to a different state – will require a little more work in order to keep your insurance coverage updated and accurate. State laws vary wildly from one to the other. This can change the amount of coverage you are required to purchase, the types of coverage which must be on your policy, and how much your provider will charge you.
Contact your insurance agent as soon as you know that you’re going to be moving out of state. They can help you tailor your policy according to those state laws where you will be moving. Or, if your current insurance provider does not operate in that state you are moving to, they might be able to help you find a good insurance company who can help you with your new policy.
Rates will be dependent upon a variety of factors. If you’re moving to a neighborhood similar to your own or a neighborhood in the same area, your rates are likely not going to change, if at all. However, if you’re moving to a more densely populated area, your rates might go up. If there is high crime or frequent traffic congestion in your new area, they might increase as well. Higher volumes of traffic usually denote a higher propensity for accidents.Auto Insurance Rates in Different Major Cities Legend: Auto Insurance Rate Changes (Local) Duval County Average Orange County Pasco County Broward County Average Miami-Dade Average Florida State Average 10 20 30 40 50 60 70 80 90 100 110 120 $78 $90 $88 $104 $113 $126
If at all possible, try to make sure that the area you’re moving to has a safe place to park your car at night, such as in a garage. Parking it curbside and outdoors leaves your vehicle vulnerable to weather damage, theft, and vandalism. Moving out of state? Compare car insurance quotes online.
Looking back at the charts you’ve seen so far, it’s clear to see that whether you’re moving to a different city in the same state, or moving to a completely different state, your rates can and will likely change. Sometimes, those changes are for the better – especially if you are moving from an urban area to a city with less traffic, fewer people, lower rates of theft, or all of the above. All of these factors can produce a lower monthly premium for you.
So if you’re still not sure about how to find auto insurance after moving out of state, just compare quotes below by entering your zip code. Who knows: you might even be able to find fantastic deals from local companies you’ve never even heard of! And comparing quotes on AutoInsuranceEZ.com is free, so you’ve got nothing to lose.