DUI increases premiums
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Auto insurance tips when relocating

We recommend you contact the company you are with and ask them what the rate would be if you moved to such and such address. They will most likely ask if you will have the car garaged, rent or buy, etc.

 

Communicate with your auto insurance company

It's worth the extra call to your current insurer because if you have not gotten into accidents, you preserve your safe driver discount. Even if you've had an at fault accident, you may still be entitled to a loyal customer discount. Unless you are changing your auto insurance company.

 

Moving from a state that does not allow credit scoring for auto insurance

If you move from a state that does not allow credit (aka insurance scoring) to be used as a basis of rating the cost of a policy to one that does allow it, your rates are bound to increase. One exception is if you have outstanding credit.

 

Most States nowadays use insurance scoring (your credit report) when deciding how much to charge you for auto insurance. The majority of insurance companies use the theory, that people with poor credit, are much more of a risk of having accidents and filing a claim. Of course most of us would feel that is ignorant and very discriminatory, and this battle has gone thru the courts in several states.

 

Auto insurance steps when relocating:

Contact your new DMV  Contact your new DMV to find out what (if any) tests your car must pass.

If you have good credit  If you have good credit, move to a State that uses credit scoring.

new declarations page  Have your auto insurance carrier send you a new declarations page reflecting the change in address.

move to a State that DOES NOT use credit scoring  If you have poor credit, move to a State that DOES NOT use credit scoring.

rates  Sell or donate one or more of your autos instead of paying for re-registration.

  Compare prices from different carriers. Make sure the plans have similar coverage limits.
  Ask an insurer to pull your drivers license report. You might be surprised what's on the report. Some DMV's now suspend your license if they mail you something and it comes back undeliverable.
  Review the number of valid complaints against a company where you are moving to. But remember that in larger claims, A claimant will usually hire an attorney instead of filing their issue with their state department of insurance.


Comments

I would also add check the declarations page to make sure it includes your correct name and new address; the car that is being insured, its location and VIN number; the policy period; the amount of insurance coverage and the amount of premium.

Posted by Joan Oher on 07:05 AM 30/Nov/2009


How do I arrange auto insurance with an auto shipping company if I buy a used car online?

Posted by Eddie68 on 10:25 AM 29/Nov/2009


In some states, the license plates stay with the car, so you have to know where and when you should send them back once you get your new ones.

In some states drivers can get extended vehicle registrations; if you still have several years left, it is likely that you will want to find out the possibility of a prorated refund on the time remaining.

Posted by JoePesse on 10:21 AM 29/Nov/2009


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Why use our advice when purchasing your auto insurance?

 

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Comparison of the actual numbers with similiar policy limits  Comparison of the actual numbers with similar policy limits.

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Advice on what to do if you experience:

 

Relocation  Relocation

Military deployment  Military deployment

Retirement  Retirement

Marriage  Marriage

Divorce  Divorce

DUIs  DUIs

Tickets  Tickets

Accidents  Accidents

Poor service  Poor service

Policy expiration  Policy expiration

Policy non-renewal  Policy non-renewal

Policy cancelation  Policy cancelation


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