If I move to a different state, will my parents' auto insurance cover me if I live in another state? This is a question that many people have asked themselves when they are considering changing their address and getting a new driver's license. However, you should be aware that this won't always be the case. In fact, if your parents' policy covers you when you move to a new address, it may not cover you when you move to another state. Before you get started with the whole moving thing, make sure that you understand your coverage.
The first thing that you need to do is understand your auto insurance coverage. For Insureinfoq
, if you are twenty-five years old and live in New York, then your policy is going to cover you for injuries caused when you are driving in New York. It is also covered if you are hit by an uninsured driver. This means that if you are living in a different state, but you drive in New York, your parents' policy will only cover you for damages that are caused when you are driving in New York.
So, how can I stay on my parents' car insurance if I move to another state? The best way is to talk to them about changing addresses. If they don't offer to change addresses for you, then you will have to look somewhere else. Even though it may be more expensive, you should ask your parents because they probably have a good idea of which companies in your new state you would want to use.
When you are talking to your auto insurance agent, you can tell him or her that you will be moving to a new location. Ask them if there is anything else they can do for you that will help you to keep the same policy for as long as possible. Usually, there will be some type of waiver that you can agree upon to keep your auto insurance policy in effect for a longer period of time. This is a simple form that you can fill out and hand to your agent so that he or she can write it up for you.
When you are moving to a new address, your parents' policy will usually cover you for damage that is done to the other car that is in your new address. So, if you buy a new vehicle and live in a different state, you can still get your auto insurance coverage through your parents. In fact, some car insurers actually encourage this because it is cheaper for them.
In order to know whether your parents' policy covers you when you move, you will need to contact them. Find out what they will or won't cover and then check with your own car insurance company. If they do not cover you when you move to a new address, your best bet will be to get a rider to cover you for the time being. A rider can be purchased for a specific amount of time or for the full year. This is a great idea if you suddenly have to find work and need to drive to work. You can also use the time you spend on the road to earn money for college, so your parent's car insurance policy will still pay for you to get to and from school.
Another option is to find out what you can do with your current insurance policy while you are living in a new address. For instance, you can add someone who is a relative to your insurance plan in the same household. In addition, you may be able to get additional coverage added to your home in order to cover the bulk of your belongings. This can save you quite a bit of money on your monthly premiums so be sure to weigh your options carefully.
As you can see, there are many ways that you can keep your existing car insurance policy active even if you move to a new address. It just takes a little extra effort and creativity to get what you need done. Make sure you have a clear picture of exactly what your plans are before you start shopping around for auto insurance quotes. You can usually use the same insurance company to get a quote over the Internet that you would use by calling them.