Insurance Tips: New State, New Policy.

Posted by Joshua on Monday Feb 25, 2013 Under Insurance Tips

Every state has a different take on auto insurance and auto insurance laws, regulations and requirements. This is true for drivers, as well as insurance providers. Some policies are viable driving through any state, in fact, most of them are. When planning a long distance trip, or work in another city, it is a good idea to check the local insurance laws and regulations. When moving to a new state, getting a new policy is inevitable, but you may have some wiggle room or even be in a better position than you were before.

Some states require residency after a certain amount of time, so even working in them temporarily can run you afoul of local insurance regulations. For example, due to transient entertainment industry labor, California expects residents for more than 10 days to declare residency. That makes anyone who wants to be completely compliant to California laws and regulations responsible for declaring themselves a resident, and¬†acquiring¬†a new insurance policy. Not every state is this adamant, but they can vary quite a bit. It’s a good idea to do some basic research on the local insurance requirements of any state you plan to be in for more than a few days.

When you move to a new state, you need a new insurance policy. Auto insurers are typically unable to offer insurance across state lines. This means even a national insurance network or company will require you to end a policy in one state and acquire a new one in your new state. This can be a great time to renegotiate rates, and get a better price. If you stay with an insurance provider, make sure to ask them about the possibility of a reduced rate. If you are forced to find an entirely new provider, shop around and research the local market.

When moving to a new city, or even working in one for awhile, make sure you understand all of the local insurance rules and regulations. In many cases, ignorance of the insurance requirements is not a good defense. If you do move, try to ensure you get a lower rate in your new location.

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