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Moving can be difficult even if you’re looking forward to living in a new place. While you might feel excited at the opportunity to experience new cultures, locations, and cuisines, you might also feel weighed down with the small details involved in moving.
While you might feel excited at the opportunity to experience new cultures, locations, and cuisines, you might also feel weighed down with the small details involved in moving. One thing you might overlook is changing auto insurance.
In addition to finding the perfect house and an ideal school, it’s also important to consider your auto insurance options when you move.
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Before you move, talk with your current insurance company to find out if they service your new area. While there are nationwide insurance companies, some companies only service specific areas of the United States.
If your insurance company does not service your new area, you’ll need to find a new provider immediately.
Even if you stay with your current insurance company, realize that auto insurance rates vary by state so even if you’ve been a longtime member, your current insurance company may not offer you the best rate.
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When you call to begin looking at prices and discussing your new insurance options, there are a few questions you should make sure to ask your insurance agent.
Ideally, you should begin to research your options and insurance choices as soon as you find out your new city’s location.
Chances are, it will take you a while to find a house or apartment, but you can begin to check out insurance companies as soon as you know your new location.
It’s also important to look at your career and your spouse’s career when comparing insurance companies.
Some businesses offer their employees a hefty automobile insurance discount to use certain companies.
Other careers, such as government or military positions, may offer special insurance only for those employees. Even if you don’t know your new address, it’s never too soon to start checking prices in your new area.
Also remember that some insurance companies will price match their competitors, so don’t be afraid to ask for discounts.
Whether you decide to switch companies or stay with your current insurance company, you may feel overwhelmed at the sheer number of details each company provides you with.
There are a few basic things you’ll need to look at and consider when it comes to choosing an insurance company.
Remember that while price may be a determining factor in which company you choose, you’ll also want to consider other things, as well.
Some companies may be inexpensive, yet offer very little benefit to you as a customer.
Ask your insurance agent about the different types of auto coverage the insurance provides. If you’re looking at health care, find out what your options are for emergency coverage and out-of-network providers.
If you travel a lot, find out if you can be reimbursed for emergency care while on vacation if you’re seen by a non-network physician.
If you’re searching for homeowner’s insurance or renter’s insurance, consider what your new company offers in terms of:
If your insurance policy will cover a vehicle, discuss the types of coverage available with the company. For example, what types of collision coverage are available?
Remember that most insurance companies do require that you pay a deductible before they’ll pay for damages to a vehicle, so find out what your deductible is versus your per-month rate.
You’ll need to cancel your old insurance at the same time you sign up with new insurance to ensure that you’re fully protected at all times.
While you might be tempted to cancel your old insurance when you move and get new insurance a few weeks later, this is a poor decision since an accident or unplanned emergency can happen at any time.
Call your insurance company directly and, if the primary account holder is your spouse, ensure that he or she is available to speak with the agent, as well.
Calmly explain that you’re moving and would like to cancel your policy.
Avoid becoming upset or irritated when the agent attempts to retain you as a customer.
This is common customer service and is something most companies engage in.
The company may offer you a lower rate, extra benefits, or even a few months of free insurance, so be prepared ahead of time that they will attempt to keep your business.
Although the idea of changing insurance options may be overwhelming or even scary, it’s important to thoroughly research your options prior to any move.
Not only will you save yourself difficulty and stress down the road, but you’ll be able to make an educated, informed decision and secure the best possible rate and insurance plan for yourself.
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