Your car insurance could increase or decrease depending on several factors, including the claim history of your new area. When you move from another state, you'll need a new car insurance policy, even if you can stay with the same insurance company. Your insurance company will cancel your old policy because each state has different coverage requirements and regulations. At Progressive, we have a team of representatives dedicated to managing your move quickly and smoothly.
When changing car insurance companies, it's usually your responsibility to cancel coverage with your old insurer. Your new insurance company can provide proof of insurance to your old company if needed, but it's generally not authorized to cancel a policy with another insurer on your behalf. After purchasing a new policy, you should immediately contact your old insurer and cancel your old policy. You'll receive a car insurance refund for any unused portion of your policy, subject to any cancellation fees that your insurer may charge.
Your location, where you park your car every day, is a key factor in determining the price of your car insurance coverage. For example, if you live in Connecticut but work outside the state of New York, you would have an auto insurance policy in Connecticut, since the vehicle stays there overnight. If you're moving to another state, check with your car insurance provider to make sure they offer coverage in your new state. The website of the Department of Motor Vehicles in your new state will contain all the legal requirements for insurance and vehicle registration.
While your rate might be lower when a new car insurance company quotes, its protection and claim compliance may not match the standards of your current insurer. You can change your car insurance policies at any time, whether you bought your policy two days or two months ago. Affordability is important to everyone when it comes to car insurance coverage, but your car insurance company should be judged by how it handles claims. If you're currently insured with another insurance company, you can simply start a new policy with your new car.
For example, Progressive allows 30 days, which means that if you file a claim within that period, your new car will continue to be covered in the same way as your old vehicle. If you plan to cancel your current car insurance policy, make sure that your new insurance policy is already in effect. For example, married couples who live together and share car insurance can add both of their cars to their policy, even if the vehicles aren't jointly owned by the couple. This is known as rewriting your policy for another state; if your car moves with you, it helps you avoid having to pay for independent insurance coverage outside the state that isn't necessary.
If you don't have physical damage coverage and your new car is stolen, wrecked, or damaged in an accident because of you, you won't receive money from your insurance company.