How Soon Do You Need To Get Different Auto Insurance After You Move To Another State?
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6 responses to “How Soon Do You Need To Get Different Auto Insurance After You Move To Another State?”
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Thanks for the question.
Contact the state motor vehicle department to inquire. However from an insurers standpoint, I would suggest that you contact either your agent or the insurance company immediately.
Waiting to complete the task only to find a new insurance claim gets denied would be awful. Besides what would the benefit to waiting?
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The most common time to get new insurance is 30 days. There may be some flexibility however before you can register your auto in the new state you will need to establish your new insurance policy. Also going to long could get you fine should you happen to encounter an officer who is not in a generous mood.
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Most states require 30 days after you have established a residence……but I have seen some people “reside” with a friend just across the border for years and never change it. Flags come up when taxes and insurance are not paid, or inspection stickers go out on tags. It’s according to what the state you’re in says. Check twice before you jump they always say.
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If you stay in another state for more than 60 days you’re going to have to get insurance from that state, that is usually the minumum amount of time for you, even if you don’t plan on being there for even six months, or a year. That’s in most states.
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Not only will state requirements be something to consider, but keep in mind you’ll need to be in compliance with your insurance company’s guidelines as well. Some companies require changes to your policy, including address change, must be reported within 7 days, while others give longer. Some companies will even let you ride to the end of your term before requiring your policy to be rewritten to the new state. Though you may not want to wait that long, as your old policy may not meet state minimums or include required coverages in your new state of residency – some companies will adjust your coverages to state requirements, and others don’t. It’s best to handle this change as soon as practical.
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Generally state laws require establishing residency within a certain amount of time within the state. Once residency is established, registration and insurance would need to be changed as soon as possible.
Requirements vary from state to state, but you can find a summary on this website
https://www.dmv.org/change-address.php
The requirements for Alaska, for instance, is 90 days. Massachusetts, however, is only 30 days. Check the resource for information about your particular state.
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