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.
You may be able to suspend some or all of your car insurance if you're going to be off the road for an extended period of time, depending on the state and the insurer. Comprehensive and collision coverages are optional across the country, so you can remove them at any time if you don't have a loan or lease for a car. Depending on your state, you may need to file an affidavit of non-use to notify your state that you will not use your vehicle on public roads. No, there is no separate auto insurance policy for several states, since a standard auto insurance policy generally provides out-of-state coverage in all 50 states.
In the insurance world, claims are commonly referred to as losses, and the amount of losses a particular brand and model has can affect the cost of insuring. Once you're ready to get your car back on the road, contact your insurance company to request the reinstatement of your coverages or policies. 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. Since most insurers offer a grace period to update your policy with your new vehicle, your dealer will usually only need proof of insurance before giving you the keys.
If you're moving and want a new policy with us, request an auto insurance quote online or call 1-866-749-7436 and share your new address. You may have to change car insurance companies when you move to another state if your current provider doesn't sell insurance in the state you're moving to. Once your insurance is in order, contact your state's BMV or DMV to verify that your car registration is still valid and send all the necessary documentation with your updated insurance details. The website of the Department of Motor Vehicles in your new state will contain all the legal requirements for insurance and vehicle registration.
Progressive roadside assistance pays for towing services if your car breaks down for any reason, whether it's on the road or in your driveway. No matter where you live, your standard car insurance policy will normally cover you in all 50 states and Canada. However, before you decide to temporarily suspend car insurance, remember that some coverages, such as comprehensive coverage, can protect your vehicle even when you're off the road. In that case, you would need two car insurance policies, one for the vehicle that is kept overnight in Connecticut and a policy from another state in New York for the vehicle you keep at work.
You should avoid completely canceling your car policy if you plan to drive again in the future, as a lapse in car insurance coverage will likely result in a higher premium when you start driving again. Next, contact your insurance company to temporarily suspend all or part of your insurance coverage for the period you are not going to drive.