New Auto Insurance Getting the Best Quotes

Moving to a new state and need new car insurance? If so, know that there are three ways to find a cheap auto insurance plan before you go. The limits of auto insurance coverage can vary from state to state, so it is essential to do research to know if you can stay with your current insurer or seek coverage with a new company offering better rates.

Most auto insurers operate throughout the country. If you are satisfied with your current insurer, you can start by finding out if it offers its services in the state you are moving to and if so, ask for a quote and say you're in the process of moving.

You can then go online or call other insurers to compare benefits and costs of their car insurance plans. Be sure to let them know you are moving and ask if there are any discounts they can offer in your new state that perhaps were not available where you currently reside.

Also ask the insurance companies what requirements they have for vehicle safety in your new state. For example, some states require an annual inspection, while others do not.

If you are moving a long distance and will be driving your car, make sure your current policy or the one you ultimately choose will cover the extra miles you will be putting on the vehicle. You may also consider adding roadside assistance, a benefit you can always take back off. You should also be very careful while on the road or once you settle in your new town to prevent theft or damage of your vehicle:

  • Stay alert. While driving long distances, pay attention to other drivers around you. A good number of them are lost in their thoughts, are tired from being on the road, others talk on a cell phone or focus on the child they have in the back seat. If their attention is being drawn somewhere other than on the road in front of them, the likelihood they will be in an accident goes up exponentially.

  • Never leave valuables in the car. It doesn't matter if you are parked in your driveway or stopping real quick to pump gas and grab a bite to eat; never leave your purse, a laptop, a cell phone, or anything of value in plain sight.

  • Avoid dark and secluded areas. Especially if you are driving by yourself at night. Stay away from deserted areas, and if you are not familiar with a specific area, avoid it late at night. Plan your route along major highways so you avoid unknown streets or neighborhoods whether too early or too late. If you do pull into a rest area, make sure you park under a streetlight and choose rest areas that have monitored security systems – there are usually signs that will let you know this.

  • Familiarize yourself with the latest trends of Theft. Thieves are not predictable; therefore, make sure you keep up with the ways in which they operate. You should also keep windows and doors closed at all times and install alarms, locks, gears and tracking devices in your car. Also do not stop to pick up hitchhikers or even to help someone stuck on the side of the road. If you feel the need to assist, simply call 911 from your cell phone and report the stranded motorist's location.

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