Auto Insurance

If you have a car to get around the bustling city of Atlanta or to cruise the suburban streets of the metro area, you’re going to need the right car insurance. (And let’s face it, Atlanta is a driving city.) There are a lot of coverages out there that you can consider for your vehicle, and for some reason, they have confusing names. One coverage to think about is Atlanta comprehensive coverage…but what is comprehensive coverage? We’ll explain.

What is comprehensive coverage?

Comprehensive coverage can protect your car against losses that are not being-in-a-wreck. For example, comprehensive coverage can cover…

• Fire
• Theft
• Vandalism
• Falling objects
• Animal strikes

There are a lot of things that could happen to your poor car. It’s important to have a way to cover the costs of repairing your car should a comprehensive loss befall it. It’s not easy to casually drop a ton of money to repair a car, so that’s why Atlanta comprehensive coverage can help.

For example, what if a massive tree branch falls right on your car? It could cause a lot of damage to your car, but you can protect your bank account with your comprehensive coverage. That’s what it’s there for.

Pro tip: Make sure to read your policy so you know what losses are covered and which are not. Its’ really important to know the ins and outs of your insurance.

Do I need comprehensive coverage?

Another question that comes up a lot is this: do I need comprehensive coverage? The state of Georgia does not require comprehensive coverage. (What Georgia does require is $25,000 of bodily injury liability per person, $50,000 of bodily injury liability per occurrence, and $25,000 of property damage liability.)

However, if you have a car payment, your lender may require you to carry comprehensive coverage (and its best friend collision coverage – more on that in a moment.) It’s really important that you have all the coverage you’re required to have for your car, whether it’s the state requiring it or your lender.

What about the deductible?

Your comprehensive coverage likely comes with a deductible. The deductible is the amount you’ve agreed to pay if you have a claim. You pay for a chunk of the damage and the insurance company steps in to start helping to cover costs.

Let’s say that you have a $500 deductible. Then a tree branch falls on your car. (For the sake of the hypothetical, we’ll say that it’s going to be a covered loss.) The branch causes $1,750 of damage to your car. Yikes. You would pay your $500 deductible and the insurance company pays $1,250. (Which is better than you having to pay the whole $1,750, right?)

You need to put some thought into choosing your deductible. If you are able to set a higher deductible, you could save money on your premium. However, don’t set your deductible so high that you’d be hard-pressed to pay it in the event of a claim. You have to find your happy place in the deductible-premium balance.

What is collision coverage?

Collision coverage is the one that can help you repair or replace your car if you’re in an accident (or if you hit something like a fence). It works hand-in-hand with comprehensive coverage. And again, this coverage might be required by your lender if you have a car payment. It’s definitely something to consider.

So, that’s the scoop about comprehensive coverage and what it can do to help you with your car if there’s a loss other than a collision! It’s a handy thing to have. Anyways, if you’re looking for Atlanta car insurance, our team can help. Get started with quotes by filling out our online form, giving us a call, or messaging us.

You rely on your car. It’s kind of essential for your daily life, as it’s your means of getting places. And you love your car – and you do enjoy having money in your bank account. That’s why you want car insurance that’s going to be there for you. So you admit it – Flo got to you and now you want Atlanta Progressive car insurance. Maybe you’re moving to Atlanta, or maybe you’ve lived in the city for a while, but how does one get car insurance from Progressive, anyway? Like this!

Get Atlanta Progressive car insurance.

1. Get in touch with our team.

Here at Atlanta Insurance, we have a whole bunch of insurance agents who would be happy to help you get a car insurance quote from Progressive. We like to make insurance easy, so we have a few different ways you can get in touch with our team.

Online form: Go ahead and fill out our online form so we can get some of the details we need to get you a car insurance quote from Progressive. This just lets us get a bit of a head-start so we can jump right in.

Call us: If you prefer to talk on the phone, that’s fine with us. We’d be happy to have a quick conversation with you on the phone so we can assist you with your car insurance needs and help you get Atlanta car insurance from Progressive.

LiveChat: We’ve even got LiveChat, so you can message with one of our agents to let us know that you’re interested in getting a car insurance quote from Progressive. Messaging is fine by us.

Email or text: Maybe talking on the phone or using LiveChat isn’t ideal for you. That’s fine – just tell us that you’d rather email or text with us and we can make that happen.

Our goal is to make insurance easy. That starts with making communication convenient. Don’t hesitate to just let us know if you can’t talk on the phone. Simply tell us your preferred method of context and we can work with that.

2. Have a chat with one of our agents.

We’ll need to confirm some information from you so we can go forth and get that quote for Progressive car insurance in Atlanta, so one of our agents will reach out to talk with you through whatever method of communication works for you. We just want to make sure that we’re understanding your insurance situation. We want to help you get the right coverage. At any rate, we won’t take up much of your time – we know you’re busy.

3. We get that Atlanta Progressive car insurance quote for you.

The next step is us going out on a quest for your Atlanta Progressive car insurance quote. We’ll be quick as we can – we don’t want to keep you waiting. We’ll let you know when we’ve got your quote. And from there, we can move onto the next step!

4. We’ll go over the quote with you.

What happens next is our agent will take the time to go over the quote with you. We’ll answer any questions you might have about the quote – we want you to feel confident about the coverage you have for your vehicle, as this insurance policy is protecting you financially. Don’t be shy about asking any questions you may have, whether they’re big questions you may have, whether they’re big questions or small questions. (If you don’t have any questions right at that moment, don’t sweat it – you can reach out any time if you think of any queries!)

5. We’ll be here for insurance support.

After we give you your quote and all that, we’ll be here to help with any insurance needs that come up. We’ll answer questions and help resolve issues if they come up. We can help make adjustments to your coverage as needed. Anyways, what we’re trying to say is this – we won’t just poof into thin air when you need something. We’ll be here for insurance support!

So, that’s how you get a Progressive car insurance quote! Our team is here to help with your insurance needs, so just give us a shout if you need car insurance. Getting Atlanta car insurance from Progressive doesn’t have to be complicated when you work with our team! Take a second to fill out our online form and we’ll be on the case.

There are a lot of different car insurance coverages out there. The thing is that you need to understand what each of these coverages does. They team up to protect you from different risks. One important coverage that covers your car is collision coverage.

What is collision coverage?

Collision coverage is the coverage that can help you repair or replace your car if you’re in an accident. Or if you hit something like a fence, telephone pole, or something else that’s solid and in the way.

You might wonder why this coverage is necessary – won’t your liability coverage repair your car? No. It probably won’t cover your car repairs if you’re at fault in an accident. It can help cover the other driver’s car repairs if you’re at fault (that’s the property damage section) and even the other driver’s medical bills (that’s the bodily injury section). But if you have damage to your car due to an accident in which you’re at fault, or if you hit a tree or something, you would not be covered by your liability insurance. However, your collision coverage could help you in these situations.

(At any rate, as always, it’s important to read your car insurance policy all the way through.)

What is the deductible?

Your collision coverage likely comes with a deductible. The deductible is the amount you agree to pay if you have a claim (you pay your chunk and the insurance company pays theirs). For example, let’s say that your deductible is $500. Then let’s say you have an accident that causes $1,500 of damage to your car. (For the sake of our hypothetical, we’ll say that it’s a covered loss and your insurance is going to help you.) You would pay $500 and your insurance company would pay $1,000.

Choose your deductible wisely. You don’t want to set it so high that it would be a big problem to pay if you have a claim. But keep in mind that if you’re financially comfortable setting a higher deductible, you could see a lower insurance premium. Just something to think about when you’re setting your deductible.

(Anyways, it’s not a bad idea to set aside some emergency money in case you have to pay your deductible due to a claim.)

Do I need collision coverage?

So, at this point, you might be wondering if collision coverage is required. Do you have to have it? Well, Georgia doesn’t require you to carry collision coverage. The state’s minimum limits of insurance are $25,000 of bodily injury liability insurance per person, $50,000 of bodily injury liability per occurrence, and $25,000 of property damage liability.

However, if you have a car payment, your lender may require you to carry both collision and comprehensive coverage. (They want to protect their investment in the vehicle.) It’s important that you have the appropriate coverage as required by both your lender and the state. Don’t think that no one will notice if you don’t have the right insurance for your car. You could run into some major trouble if you don’t.

What’s comprehensive coverage?

Earlier we mentioned yet another coverage you can consider for your vehicle – comprehensive coverage. This is the coverage that can help you repair or replace your car if there’s a loss that is not a wreck – for example, theft, fire, vandalism, falling objects, or hitting a deer. That’s the long-story-short version of what comprehensive coverage is. It’s basically collision coverage’s best friend.

So, that’s what collision coverage is. It can help you repair or replace following a wreck or if you hit something like a fence or a pole. It’s not technically required by the state of Georgia, but your lender may require you to carry this coverage on your vehicle if you have a car payment. Remember, make sure you have the necessary coverage for your car.

If you want some help with getting the Atlanta car insurance you need for your vehicle, let our team know. Message us on LiveChat or give us a call to get in touch. You can also fill out our online form if you prefer. We’re here to help with your Georgia auto insurance needs.

Getting the right car insurance policy can seem like a long, stressful process. By the time you’ve gotten everything squared away, reading over the terms and conditions can seem like an unnecessary waste of time. However, there can be some hefty consequences to skipping over this bit of helpful homework. Here are a few reasons you should read through your auto insurance policy, even after you’ve gone over it verbally with your agent.

Why should you read your car insurance policy?

1. Make sure you understand what’s covered.

Every year, people end up losing money or paying more out-of-pocket costs after an accident because they didn’t properly understand what their car insurance policy covered. Your auto insurance is there to protect you and your car in an emergency. However, your policy will only cover certain accidents and instances that are specifically outlined in your policy. So, reading up on your policy is a key part of truly understanding the certain sticky situations that your car insurance can help you out of.

2. Make sure everything is correct

This goes beyond just checking how your name is spelled or that your contact information is actually yours. (Although, you should make sure this information is correct.) You’ll want to read through your policy to make sure you’re actually getting the coverage you wanted and that you believe you’re paying for. Instead of going up the creek without a paddle, read through your policy to make sure that all of your coverages are there and take the opportunity to ask your agent any questions about what is and isn’t included in your car insurance.

3. Understand when you have to pay your premium

Your auto insurance premium is the amount you have to pay just to have insurance coverage. Many people assume that this is a monthly payment amount. However, different carriers offer different ranges of available payment options, including monthly, quarterly, semi-annually, and annually (the last of which may help you get a discount on your car insurance). So, it’s important to read through your policy to know exactly when your car insurance payment is due. That way, you can prevent lapses in coverage and keep your insurance rates low.

4. Prepare to pay your deductible amount

Your car insurance deductible is the amount you’ve agreed to pay in repairs or damages before your policy starts paying in full. But that’s not the only thing you’ll need to know about your deductible. You’ll also need to keep in mind that:

• Your deductible can affect your premium
• Deductibles are different depending on your policy.
• Your deductible on one type of coverage may be different than another.

Reading through your entire policy can help you prepare for what you may pay after an accident. That way, you can set aside enough money to cover your deductible for whatever type of coverage you use before you urgently have to use it.

5. Learn how much coverage you have and in what circumstances

Additionally, there’s a limit to what your insurance will cover – literally. Reading through your car insurance policy entirely can help you understand how much your insurance policy can help you cover and when. Different scenarios call for different coverages, and different coverage may have different amounts that you’re covered for. If you only have a brief overview of how much your insurance might cover in a general sense, then you risk not having enough coverage for a certain situation when you need it.

6. Know when your coverage starts and stops

Just because you’ve made the decision to get car insurance, chosen a carrier, and chosen a plan, it doesn’t necessarily mean that your car insurance is in effect. Each policy has what’s known as an effective date, and a driver isn’t covered under that policy until that date. This means that if you’re starting a new insurance plan or you’re in between plans and you drive before your new effective date, you won’t be covered until your policy actually says you are.

Reading your policy to find this date is the best way to prevent car insurance lapses or even just the charge of driving without insurance (which is illegal all over the nation).

7. Generally, just feel good about where you’re putting your money.

In any case, it’s just good to know why you’re spending your money and how it’s being spent. Car insurance may be a legal requirement, but if you don’t know much about it, the whole process can seem like a big waste. In fact, many people think car insurance to be a nuisance that only costs them more money the more they use it.

Reading your policy, on the other hand, can help you see all the neat things that your car insurance does help you with, whether it’s an accident or a crack in your windshield. It can help people understand that you’re investing in a great amount of help in your future and peace of mind.

Of course, you may not be able to recite your policy forwards and backwards after you read it. In fact, you may not be able to read it all in one go. Your auto insurance policy may be a long-winded document but taking it in though bite-sized pieces every so often can help you truly understand and feel protected in the policy you choose.

our agents can also help you feel confident in the coverage and rates you choose for your car insurance. We’re here to walk you through getting free, customized quotes on the auto insurance you need in the easiest way possible. To start your best insurance experience, call us today, fill out our online form, or LiveChat with a professional today.

There may come a time when a good friend wishes to borrow your car. Maybe they’re a great friend and they’re a good, safe driver who’s responsible behind wheel. So, without too much hesitation, you decide to agree – your friend just needs a set of wheels for a little bit, and you trust them. You are, however, a little bit curious about the auto insurance situation. Will a friend who borrows your car be covered, and how? We’ll explain.

What happens if a friend borrows my car?

Typically, car insurance will follow the vehicle itself. And that means that your friend would be covered by your auto insurance if they’re borrowing your car. (For that reason, you’ll want to be careful when deciding who’s allowed to borrow your car!)

If your friend only needs to use your car from time to time, your friend likely is covered by your insurance. However, insurance rates aren’t only about your car – they’re also about the primary driver of the vehicle. So, should your friend start driving your car a lot or more than you do, you may want to add them to your policy – that can help you avoid headaches down the, err, road – pun intended.

At any rate, be careful who you lend your car to! You want to lend your vehicle to people who will treat it as if it were their own – ideally, even better than their own.

What if you borrow your friend’s car?

But then there’s the reverse situation – what if you borrow a car from your friend? Well, hopefully, all goes well and you return the car to your friend without a scratch on it. That would probably be best for all involved!

Unfortunately, sometimes things don’t go according to your plans. You might have every intention of returning the vehicle in good condition, and maybe even with a full tank of gas, but what if that plan is rudely thrown off-course?

So here’s a situation – what if you borrow a friend’s car, but you get into an accident? What happens? Well, their insurance would most likely kick in first. (Basically, it’s the reverse of what happened in the previous hypothetical we described where a friend borrowed your car.) So, it might be an awkward conversation with your friend, but yes – it’s likely that they’re going to see their insurance step up first. But – yes, there’s a but – if they don’t have high limits of insurance and the accident exhausts them, your insurance could be up next. Just something to keep in mind before you roll down the street in the borrowed vehicle.

So, in summary, if your friend borrows your car, your car insurance likely follows the car. (So, think hard before handing over your keys to someone!) And to reverse the situation, if you borrow a friend’s car and then get into an accident, their insurance will likely be up first to cover it. If their limits are exhausted, your insurance might step in next. So be prepared for that and maybe have a conversation before any cars are borrowed and driven away.

Speaking of insurance, you can get car insurance quotes by filling out our online form, giving us a call, or messaging us. Our insurance professionals would be happy to help with your insurance needs.

Your car is one of your most valuable possessions, most likely, and you’re determined to protect it. You’re also determined to protect yourself financially in case you get into an accident. To make a long story short, you want to get car insurance. And you’re really after Nationwide car insurance, as you’ve heard a lot about the insurance company that’s on your side. But you’re wondering how to get Atlanta Nationwide auto insurance. We can help with that mission.

How to get Atlanta car insurance from Nationwide.

No matter where you live in the metro Atlanta area – Sandy Springs, Decatur, Kennesaw, Marietta, East Point, Roswell, or any other Atlanta suburb – we can help you get an auto insurance quote from Nationwide. That’s what we do! But how does it work, you ask? Here’s a step-by-step breakdown of the quote process.

1. Let us know you’re looking for Atlanta Nationwide car insurance.

The process starts when you reach out to us and tell us that you need a quote for Atlanta Nationwide car insurance. From there we can get you on your way to getting a policy that suits your needs.

We want to make the car insurance process as easy as possible, so we have a few ways you can contact us.

You can call us.

If you prefer to talk over the phone, all you have to do is give us a call. We’d be happy to discuss your insurance needs by phone – we know sometimes it’s easier to just talk on the phone instead of playing email tag.

You can fill out our online form.

You can also reach out to us with our online form. The form just allows us to gather some information that we need to get your car insurance quote from Nationwide. That way we’re prepared to get right to it and quest for that quote!

LiveChat.

You might not want to talk on the phone or use an online form. Maybe LiveChat messages are more your speed. That’s fine – one of our insurance agents can message back and forth with you if that’s most convenient.

Email/Text.

If your preference is to talk via email or text, we can do that, too. Just tell us that email or text is most convenient for you and we’ll be happy to oblige. Sometimes you have to handle insurance matters on the go!

Life gets busy, and as we want to make insurance easy, we want to communicate through whatever channel is most convenient for you. Don’t be shy about letting us know that you need to email or text.

2. You’ll talk with one of our agents.

The next step is having a quick chat with one of our agents. They’ll have a few questions for you so they can get to know you and understand your situation. We treat each client as an individual with unique insurance needs. At any rate, our agent will talk with you by phone, email, text, or chat to get the information they’ll need to get your Atlanta car insurance quote from Nationwide.

3. We’ll get your quote.

The next thing that happens is that we’ll get your Atlanta Nationwide auto insurance quote – the moment you’ve been waiting for! We’ll take the information you gave us and retrieve that quote for you.

4. We’ll present the quote to you.

Insurance can feel overwhelming, so we won’t just throw the quote at you and leave you hanging. We’ll explain the details of the quote and take the time to answer any questions you might have. This is a serious thing, and we want you to feel comfortable with your car insurance policy and like you’ve got a handle on your coverage.

5. Our team is here for you.

Once you’ve got your Atlanta Nationwide car insurance squared away, we’re not going to vanish into radio silence. If you think of any questions or you need to make adjustments to your coverage, just let us know. We’re here to troubleshoot any insurance requests or issues that come up down the line. Leaving people high and dry isn’t really our style.

And that’s how you get Nationwide auto insurance quotes in Atlanta. You might be in Alpharetta, or maybe Peachtree Corners. Perhaps you live in Milton, or perhaps you’re looking for Nationwide car insurance in Douglasville. You might be a long-time Atlanta dweller or maybe you’re moving to Atlanta. Wherever you are in the Atlanta area, we can help you with Nationwide auto insurance. We’re just a phone call, quote form, or LiveChat away.

If you have a car, you know you need to protect yourself financially. Not only do you need to protect the car itself, but you also need to protect yourself in the event that you cause an accident. And that’s why car insurance is so important. You’re wondering about Safeco car insurance and whether it would be a good fit for you. And you’re also wondering how to get an Atlanta car insurance quote from Safeco. You don’t want to deal with insurance on your own, and that’s why we’re here. We can help you get a car insurance quote from Safeco.

How to get an Atlanta Safeco car insurance quote.

1. Get in touch with our team.

Communication can be complicated. There can be a lot of frustration, but that’s why we’ve tried to make communication as easy as possible. We have several different methods for contacting us, and you get to choose the one that works best for you. We’re flexible – we want to make things as easy as possible for you. Anyway, here are your options.

Phone. You know, sometimes it can be easiest just to talk on the phone, and if that’s your mindset, no problem – just give us a call. We would be delighted to have a conversation over the phone with you.

Online form. If you’re looking for Atlanta car insurance from Safeco, you can use our online form to get in touch with us. This lets us get some details that we need to get you your quote.

LiveChat. LiveChat is another way you can get a quote for Safeco car insurance in Atlanta. Messaging is a thing, and we’ve adapted to the times. So, hop into a chat with one of our agents. We’d be happy to message back and forth with you if that’s what you prefer.

Email/Text. You might be too busy to talk on the phone or sit at the computer messaging with us. So, all you have to do is let us know that you’d rather email back and forth with us or text back and forth. We can definitely do that if that’s what works best for you. We’re all about making insurance convenient.

2. We have a quick talk with you.

The next thing we need to do is have a quick chat about your insurance situation. This is where we get the necessary information to get that Atlanta Safeco car insurance quote – we want to make sure that we best assist you with your insurance. But we also respect that you have a lot on your plate, and we know that you can’t spend all day on the phone or on email or on Chat talking about insurance, so we won’t take up too much of your time. We’ll be quick and let you get on with your life.

3. We’ll get your quote.

Then the real magic happens and we get that Safeco car insurance quote for you. It’s what we do.

4. We go over your quote with you.

It is then quote presentation time. We’ll go over your quote with you – we’ll take the time to answer any questions you might have about your car insurance policy. We want to make sure that you feel good about your coverage. So, feel free to ask any questions you have – we’re ready to field any inquiries. There are a lot of complicated things in insurance, and we’ll explain all of them.

5. We’ll be here for you.

If you ever have any questions about your insurance or if any issues happen, we’ll be here. We can help resolve those things, and we won’t just disappear on you. We’ll be there to help troubleshoot anything that comes up.

So, that’s how you get a quote for Atlanta car insurance from Safeco! You don’t have to stress about getting your car insurance. We light to make insurance easy. So, get started with your quotes by filling out our online form or sending us a message on LiveChat.

Having a car is a big responsibility. You have to be a safe driver, of course, but you also need to carry the proper car insurance. You’re considering getting Atlanta car insurance from Foremost. But you’re not entirely sure that you want to deal with insurance on your own. That doesn’t sound like fun. Well, we’ve got good news – we can help you get Foremost car insurance in Atlanta.

How to get Foremost car insurance in Atlanta.

1. Get in touch with our team.

The insurance process starts when you reach out to our team. One of the goals of our team is to make insurance easy, and that means that communication should be easy. That’s why we have a few different ways in which you can contact us. You get to choose how you talk to us!

Phone. Well, there’s the phone call, for starters. You can give us a ring and we’ll get you in touch with one of our agents, who would be delighted to have a conversation about your insurance with you on the phone. So, you can just pick up your phone and reach out to us, easy as that.

Online form. Another way to get in touch with us is to fill out our online form. This lets us get some of your information so the insurance process goes as smoothly as possible. The form is pretty quick, and it lets us have a little bit of a head start on assisting you with your car insurance.

LiveChat. If you would not like to talk on the phone or fill out the online form, that’s fine – you can reach out to us through LiveChat. Messaging might be the way you want to go, and we’d be happy to talk about Atlanta car insurance from Foremost over chat.

Email/Text. Maybe you’re very busy and you can’t do a phone call or a chat. You might prefer to email or text back and forth so that you can be on the go, and that’s fine with us. Email and text are handy, after all.

2. We’ll have a quick talk with you about insurance.

The next thing that needs to happen is we have a quick chat with you so that we can best assist you with your insurance. We need to make sure that we have the information we need to get your car insurance quote from Foremost. But we know that you’re busy, so we won’t take up too much of your time. We’ll be quick about having that conversation with you so you don’t have to worry about spending your entire day talking about your insurance. (We love talking about insurance and could happily spend all day talking about insurance, but we understand that not everyone shares our obsession. We respect that.)

3. Then we get the quote.

This is the get-the-quote part of the entire process. We have to actually get you the quote you’re looking for. So – we shall embark on the greatest quest for insurance ever. Anyway, we’ll get right to work so we can get you that quote. The suspense is super intense with insurance stuff, you know.

4. We’ll go over the quote with you.

The next thing that happens is we’ll bring the quote to you and answer any questions you might have about it. We encourage questions and we want to make sure that you feel good about the car insurance policy that’s protecting you. So, feel free to ask any questions you need to clarify anything that seems confusing. Insurance can feel overwhelming, but our team strives to take away some of the stress of dealing with insurance coverage. Our goal is to help you get car insurance, not give you a headache. We want you to walk away from this insurance experience with a smile.

5. Our team will be here.

If any questions or issues arise, we’re here to help. We don’t just mysteriously fall off the face of the Earth right when you need us. So reach out to us any time you have a concern, and we’ll get it taken care of. Our team of insurance agents is here for you.

Anyways, that’s the scoop on getting Atlanta car insurance from Foremost. Our team would be happy to help you get the coverage you need. Get started with your quotes by filling out our form or giving us a call. Insurance can be easy – give our agents a chance to prove it!

Moving can be quite the hassle, especially when handling important paperwork like your insurance. Transferring your home insurance plan may seem like a no-brainer, but your car insurance may seem like another beast. After all, one of the factors that contribute to your car insurance rates is your address, or where you park your car normally. So, what do you need to know when that address changes? Let’s look at these 7 things that you may need to know about your car insurance if you’re moving.

7 things to know about car insurance if you’re moving.

1. How to change the information on your car insurance

Changing your car insurance policy to fit your new location might be as simple as calling your insurance agent and going through a quick filing process. However, if you’re moving to an area that’s outside of your carrier’s area of coverage, you’ll need to shop for a new car insurance carrier all over again. Luckily, our agents have access to multiple insurance companies nationwide. So, we can help you determine the specific risks you’ll face in your new location and find similar carriers with the best rates around.

2. You have a certain amount of time after you move to change the address on your policy

Different states have different requirements for when an insured needs to have their car insurance policy registered with a new address. You’ll need to find out that exact timeframe, but it’s a good idea to go ahead and have your policy switched over as soon as possible.

As a rule of thumb, most states require you to register your car to your new address within 30 days of your move. So, it could be a good idea to go by this timeframe for your auto insurance as well.

3. You may have new state-required minimums if you move

Each state has its own minimum requirements for car insurance. If you’re moving out of state, you’ll need to know which coverages your new state requires and how much your coverage limits need to be. Some states require more coverage. Some states require less.

It’s important to note, though, that even though a state may require less coverage than your previous address, you could be putting yourself in a sticky situation by not having enough coverage if something does happen to your car.

More often than not, state minimums only require a certain amount of bodily injury liability and property damage coverage. In addition to the state-required limits not being enough, these coverages only cover the other person’s injuries and property. If you want to be able to protect you and your car in an accident, you may want to look into collision coverage, comprehensive coverage, and medical payments insurance.

4. Your car insurance rates may change if you’re moving

On the same token, since your car insurance coverage limits may change, your rates may change along with them. Although, that doesn’t necessarily mean that your rates will be more expensive. Car insurance rates depend on a lot more factors than just your address or what your location requires for auto insurance. It can depend on your deductible, your coverage limits, your age, your marital status, and more.

Plus, if you have to change carriers, there may be an entirely different market of insurance companies in your location that offer lower rates. So, just take the move as a blank slate for your insurance as well, and shop for what you need!

5. If you’re being removed from a policy, you may have to provide your new proof of insurance or proof of residency to your old insurance company.

If you’re a bit younger and moving out on your own, or you’ve just been taking advantage of a multi-car discount and are moving to a separate address, switching car insurance can be kind of tricky. There are certain documents that your old insurance company may need in order to take you off the original policy without putting you at risk for a lapse in coverage.

One way that you could change policies is by giving your old carrier proof of new residence for your new home. Showing multiple forms of official mail (i.e. a water bill, a copy of your signed apartment lease/house deed, etc.) could be enough to switch you to a new policy that’s all your own. However, be prepared to ask if your carrier needs additional documentation. Another method could be to give your old insurance carrier proof of new insurance. This way, they know that you’re canceling your car insurance with them while still being covered.

6. Know your new policy’s effective start date

Before you pull the trigger on canceling your old insurance policy, make sure that your new car insurance policy picks up exactly where your old one leaves off. Even if you sign the paperwork for a new policy on one date, that doesn’t necessarily mean that you’re covered from the signing date forward. And even if it’s just a one-day lapse in car insurance coverage, it still counts as a lapse.

That means that if you need proof of insurance while being pulled over or after an accident, you’ll be out of luck for any coverage that you need, and you may have to pay for damages out-of-pocket. Additionally, it’s illegal to drive without insurance in every state. So, check out your declarations page or even read your car insurance policy all the way through to make sure you know that you’re covered no matter what.

7. Know that you may be able to get a refund in the middle of your policy

Life doesn’t usually line up perfectly with your plans. So, moves don’t typically line up with the end of your policy date. Still, you don’t want to pay for an old car insurance policy if you already have a new one. Luckily, if you need to change your insurance in the middle of your plan, your carrier can refund you according to the number of days still left on your first policy.

Even if you pay for your policy on a month-by-month or a semi-annual schedule, a carrier can usually prorate the amount you’ve already paid and refund you the rest. That way, you don’t have to pay for what you don’t use!

These are just some of the things to keep in mind about car insurance if you’re moving. A new journey doesn’t have to mean a whole new set of problems, especially if you’re working with our professionals. Our agents are professionals in getting the auto insurance you need for a great price, no matter where you are in the U.S. To start getting free, customized quotes on car insurance, give us a call, fill out our online form, or LiveChat with a professional today!

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