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January 22, 2016

Consider a New Auto Insurance Policy Before Moving

You’ve purchased your dream house and are planning a move. Or perhaps you are moving across the country to be closer to your family and loved ones. No matter why you are moving, it’s important to take into consideration your auto insurance policy. You may think about and plan for a new home insurance policy, but your car insurance also needs to be updated. It’s a good idea to talk to your agent about your existing plan if the policy will remain in effect for a period of time after the move. Otherwise, you will need to look for a new policy that meets your specific needs in the new area before actually moving.

Are State Laws Different?

In some situations, state insurance laws differ from one to the next. All states now require individuals to carry liability insurance, but coverage limits vary in different parts of the country. This type of coverage protects losses to others that you are responsible for causing. Be sure that your policy at least offers the minimum requirements of your new state.

Other Factors to Consider

Moving is a big change in your life and it can bring a variety of different life experiences. As you make the move, keep the following in mind about your auto insurance:

  • You may qualify a lower insurance rate based on the area you move into. In some cases, insurance rates are impacted by the overall risk within an area for accidents, theft or vandalism. 
  • Your move could mean different types of risk. You may now be more likely to be impacted by weather conditions, for example, changing the amount you are charged for comprehensive car insurance. 
  • It’s also a good time to work on bundling your insurance policies. Whether you own a home or are renting, bundling that policy along with your auto insurance for each of your vehicles can help you save money.

Will you be driving more or less? Will you be purchasing a different vehicle? Each of these factors will impact your car insurance rates and coverage. Before you move, consider investing in a new policy that provides you with more of what you need for your new area.

We’ll help you get the right coverage. Call JSW Insurance at (925) 737-1560 for more information on The Bay Area auto insurance.

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