Tips On Insurance Coverage in a New State

Tips On Insurance Coverage in a New State

You’re moving to Atlanta; it’s time to pack your bags, get your affairs in order and ride off toward the horizon. On top of your already growing to-do list, one consideration to add that is often overlooked is insurance coverage. When you relocate from one state to another, there are several important things you must do to move your insurance policies. Whether it’s car, renters, homeowner or umbrella insurance, here are our top tips for getting insured in your new state.

Shop Rates

If you’re moving between states, you will have to move your insurance policies regardless of whether or not you decide to keep the same company. This is a prime opportunity to shop different rates in your new area. There are several environmental aspects that set the price for insurance policies, as well as crime rates, accident rates, the tendencies for natural disasters and more. And don’t forget to shop your current insurance company! They may be willing to match the rates of other companies, and if you’ve been with them for an extended period of time, you could be “grandfathered” in and receive discounts that have accrued over the years.

When you move to a new state, you generally have 30 days to register your vehicle. You can easily use those months to get quotes for car insurance; you do not have to do it before you move. However, when purchasing renters or homeowners insurance, the rules change. Before you move, you will need to create a new homeowners policy; each state has different coverage requirements and regulations, so a previous policy cannot be transferred.

Bundle Policies

Once you sign the contract on your new home and have a tentative closing date, it’s time to get quotes! Always ask about bundling quotes—it is one of the easiest and most common ways to save money on insurance policies. Bundling home and auto insurance will give you a discount, but it’s important to check for bundling policies when you are shopping around for the best option. Most companies do not limit bundling to just home and auto insurance; there are also options to add all policies together for an even greater discount. Have a pen and paper ready when you call insurance companies to write down the quotes for separate and bundled policies.

You Get What You Pay For

Choose wisely when shopping for new insurance. You get what you pay for and, sometimes, if you buy the cheapest insurance, you may get the cheapest coverage with a company that does not have your back when you need it. Your insurance agent is your advocate and, if at all possible, should be local to you. Once you choose a company, the experience should be seamless and pleasant. Let your insurance agent do all of the work for you!

As a well-established national company, State Farm offers a variety of insurance products. Aside from great prices and coverage options, NerdWallet also found that State Farm had the fewest complaints reported to the National Association of Insurance Commissioners for private passenger auto insurance in 2017. For more information or to learn about your insurance options, visit