How Insurance Differs From State To State

I have moved and visited different states and one thing that I have almost missed is having car insurance for the state I visit. If you are moving to another state, you want to make sure that you are covered. Many people will ask: do I need to have new car insurance when I relocate to another state? The answer to this question is almost always, yes! However, there is a major caveat you want to be aware of and that’s; do not cancel your old insurance policy before you have obtained a new one.

Having a new car insurance
The grace period for obtaining new car insurance when you relocate or visit a new state is about 30 to 90 days. This is the time you are supposed to have registered your vehicle. You can use those months to obtain new insurance for your car. Hence, you should not cancel your old insurance before moving and setting up a new one. Don’t drive across state lines without having car insurance.

Your insurance will depend on your period of stay
People will visit other states for different reasons. Some may be there for a week, others for months, and some people may stay for years. If you will be there for weeks, you may want to find out what is best for you when you drive across.

You may have to update your current policy to meet the requirement of the state you will be visiting. For those who will be staying for some time, they may want to find the options that are suitable. You may have your current insurer serving in the state you’re visiting, but they may not be the right choice when you’re there.

Different states have different insurance requirements
You may find that if you are a motorist in California, you will be required to have up to $15,000 for each person injured or $30,000 for entire accident, and $5,000 for property damage. When you decide to move to Florida, you will need up to $10,000 insurance for each person or $20,000 for an accident and $10,000 for property damage. These changes can impede on your finances and you would want to ensure that you make a wise decision.

The best thing you would want to do is to talk to your insurer to find out the option available when you visit or move to another state. You may want to top up for the difference in insurance coverage when you are in that state. This way, you ensure that you are covered. The worst that can happen to you is to be pulled off the road only for the cops to find that you have no insurance for that state. This can attract hefty fines and you could end up in jail.