Compare policies when you change car insurance. Another insurance company may offer a cheaper rate, but they may not offer the same amount of coverage. You may have to change car insurance companies when you move to another state if your current provider doesn't sell insurance in the state you're moving to. If you stay in the same state, you won't have to change insurance companies.
If you're moving to another state, check with your car insurance provider to make sure they offer coverage in your new state. Wondering how to insure your new car? The truth is that your current insurance policy will cover your new car from the moment you take it out of the parking lot, usually with the same level of coverage as your old car. However, if you don't have protection from liability or physical harm, you can end up stuck at the dealership or, worse, break the law. No, there is no separate auto insurance policy for several states, since a standard auto insurance policy generally provides out-of-state coverage in all 50 states.
Your car insurance could increase or decrease depending on several factors, including the claim history of your new area. In that case, you would need two car insurance policies, one for the vehicle that is kept overnight in Connecticut and a policy from another state in New York for the vehicle you keep at work. No matter where you live, your standard car insurance policy will normally cover you in all 50 states and Canada. Keep in mind that other factors may affect your car insurance rate if you're starting a new car insurance policy.
You'll receive a car insurance refund for any unused portion of your policy, subject to any cancellation fees that your insurer may charge. This information is not an insurance policy, does not refer to any specific insurance policy, and does not modify any provision, limitation or exclusion that is expressly stated in any insurance policy. For example, if you live in Connecticut but work outside the state of New York, you would have an auto insurance policy in Connecticut, since the vehicle stays there overnight. If you're interested in changing your car insurance company, you won't have to wait for your current policy to expire.
If you don't have physical damage coverage and your new car is stolen, wrecked, or damaged in an accident because of you, you won't receive money from your insurance company. When changing car insurance companies, it's usually your responsibility to cancel coverage with your old insurer. Since most insurers offer a grace period to update your policy with your new vehicle, your dealer will usually only need proof of insurance before giving you the keys. For example, married couples who live together and share car insurance can add both of their cars to their policy, even if the vehicles aren't jointly owned by the couple.
Switching car insurance is easy, but make sure that the coverages, limits, and deductibles in your new policy reflect what you have with your current insurer.