Understanding Auto Insurance Claims

If you're in the midst of a move, you're likely overwhelmed by the number of things you have to get done. One thing that you may have overlooked, however, is your auto insurance. Below are the answers to three common questions regarding auto insurance while moving.

How Does Your Move Impact Your Premium Rates?

You may be surprised to find that the area you move to will play a significant part in the determination of your auto insurance premium rates.

For example, if you're moving from an urban area to a rural area, you may find that your insurance rates drop significantly. This is usually due to less instances of theft and vandalism, as well as less traffic (therefore, less risk of accidents). On the flip side, if you're moving to an urban area after living in a suburban or rural area, you may find that your premium rates increase.

Does Your New Location Have Different Auto Insurance Requirements?

If you're moving to a different state, it's important to become familiar with that state's auto insurance requirements before choosing the insurance company that's right for you.

Each state has minimum coverage requirements when it comes to auto insurance, and it's important to know that your new policy will be enough to meet those minimum requirements. For example, if you're moving from Nevada to Massachusetts, you'll find that while both states require bodily injury and property damage liability coverage, Massachusetts also requires coverage for personal injury and uninsured motorists. You always want to be sure that any policy you choose will cover all of the minimum requirements for the state so you don't have any issues down the line.

How Can You Ensure That Your Car Stays Covered During the Move?

Whether you're moving across town or across the country, it's important to ensure that your vehicle has auto insurance at all times to avoid lapses in coverage and costly fines.

If you must change insurance companies due to your move, it's important to have your new insurance policy set up before you cancel your current insurance policy. Even having a day in between coverage can cause legal issues, and if your car is in an accident during a coverage gap, you'd be out of luck when it comes to paying for repairs. When lining up your new coverage, be sure to know when your new policy will go into effect, and be sure to print out your new insurance cards so you can have them readily available when you're on the road.

To learn more about how moving will affect your auto insurance coverage, contact a company like Manassero Insurance Agency Inc.