Why Drivers Should Understand State Auto Insurance Laws When Moving
Everything seems to be getting more expensive these days, despite the long running recession that the country has been experiencing. Insurance costs have gone up across the board, including health insurance, life insurance and even auto insurance costs have gone up. The unemployment in some cities and states is quite high while others seem manageable. The job market is also moving with some sectors seeing a rise while others are being reduced on a daily basis. But because the economy is good in some places and not in others, many people have decided to make a move and leave their homes for the areas experiencing growth. While this may be good for increasing the quality of life of the individual or family, there are other considerations to understand. State auto insurance laws are different in every state, so if you're moving across states, it's important to know how they may differ.
State auto insurance is difficult to navigate without a proper insurance agent and the right reading material. But it is safe to say that auto insurance costs are going up just about anywhere, regardless of the state. Just because the costs are going up across the country doesn't meant the laws will also be the same. Because each state runs their auto insurance and driving laws differently, it's important to know how the state you're moving to differs from your own.
In some states, the maximum age for a child to be on an auto insurance policy is 25. However, that is not standard for all states. Some states have lower age limits while others extend it to 27. Check on this fact if you have adult children on your policy and need to know whether to get an additional policy or not.
Tort laws also differ between states. Negligence can be seen in many different ways which also reflects the cost of an insurance policy. Find out ahead of time what the new state's tort and negligence laws are so you are aware of them before moving.
One of the most common differences in state auto insurance laws is that of basic coverage. Each state has its own, unique set of guidelines that outline just what basic coverage means. For those interested in only getting the most basic coverage in order to save money need to understand the new state's basic limits. While some states will allow only liability on a car, others will require full coverage or other add-ons to liability in order to operate a vehicle.
Before moving, make sure you have contacted an insurance agent in the state. They will be able to help you understand the laws.
