Moving is stressful. There are boxes to pack, phone calls to make, and expenses to budget. One thing you will want to add to your to-do list is letting your auto insurance company know you will be moving. You don’t want to call them at the last possible minute only to find out the rate has increased beyond your allowable budget or that your current insurance company can’t even continue to provide coverage based on your new area. Here are a few things to consider about your auto insurance policy when you move.

In-State Move

When it comes to moving within the same state, your new insurance rate is determined by your new location. Depending on many factors, this can have a small (if any) or big effect on your rate. Moving from a small, rural town to a large, urban city? Your rate will more than likely be much higher. If possible, it is best to contact your insurance company before you settle on a particular area to see how much it would change your insurance cost so you won’t have a potential price shock. This is especially important if the insurance cost in the area could be a deal breaker for you.

Also, will you be living with any other people? Your carrier may want to put them as added or excluded drivers on your policy.

Another thing to consider is whether you have a local agent you deal with, especially face to face. If you are moving far away, you may not be able to travel to their office. In this case, you will want to find a local agent in your new area that can handle your insurance needs.

Out-of -State Move

Moving out-of-state is a little trickier. First, your insurance company may not even do business in your new state. In this case it is important to find a new carrier before you go. If this is not the case and you can keep the same company, they will still need to change a few things. Your carrier does business differently in each state, so you will need a policy for your new state. If they let you keep the current policy until it expires, you will still need to switch it when you go to register your vehicle. Also, if you have minimum liability coverage, you may need to increase it depending on your new state’s limits.

Just like for an in-state move, it is important to check the rates of the particular area you want to move to before taking the plunge. You don’t want to find out after you move that you can’t afford the insurance cost in that area.

Lastly, every state has their own rating factors and discounts. Have your insurance company review your new policy to make sure you are getting the best rate.

When it comes to your auto insurance and relocating, a little planning ahead can keep it from being another hassle in the moving process.