But do yourself a favor, don't wait. The process is not as difficult as it seems. Here are some key questions to research about moving and transfer insurance. They don't cover everything, but they should help you go in the right direction.
Buying Arizona minimum liability auto insurance coverage is the easiest way to meet the financial responsibility requirement. 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, 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. That's why it's important to find out how much time you have to contact your insurance company and what coverage your new car will have according to the specific details of your policy.
If the insured does not notify the insurer of the newly purchased vehicle within the specified time, the vehicle will not be insured. If you pay with cash or buy a car directly from a private seller, you probably won't be asked to present proof of insurance to take possession of the vehicle. Because you have to present proof of insurance before you can take possession of a newly financed car, some insurers extend comprehensive and collision coverage to current customers in good faith, regardless of whether their current policy has that type of coverage. 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.
Unless there is a specific notification procedure in the insurance policy, the insured's verbal notification to their insurance agent may be considered sufficient to activate automatic coverage for a newly purchased vehicle. In Arizona, drivers with just two speeding tickets pay an average of 23% more on their annual car insurance premiums, for example. Nor is there a multi-state auto insurance policy that originates in two or more states. You may have 2 to 30 days to tell your insurance company that you have purchased a new car if you are already insured, depending on the financing and coverage details.
No matter where you live, your standard car insurance policy will normally cover you in all 50 states and Canada. Most automatic coverage provisions require the insured to notify the insurer within 30 days of purchasing the new vehicle if the insured wants it to be covered by the existing auto policy. No matter how much time your insurance company gives you to take out insurance for a new car, it's best to contact you as soon as possible. The grace period for a new car is the length of time that insured drivers can drive a newly purchased vehicle before adding it to an existing car insurance policy.