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How to Choose Local Auto Insurance After Moving

fed-ex-truck

Did you moving can affect your auto insurance rates? Photo: TravelEden under a Creative Commons license

Moving is chaotic—every one who has ever even moved across town knows that. If you’ve ever moved to a new city, however, you know that the to-do list gets seemingly infinitely longer when you’re trying to settle into your new area. From the chaos of getting all of your belongings from point A to point B, forwarding your mail, updating all of your addresses, the last thing you want to be worrying about is finding local auto insurance that is the right price and the right coverage.

Here are a few little tips to help alleviate some of the stress from the hunt for car insurance in your new town:

Get connected to the net to get quotes in a flash. Image credit: Lars P via Flickr Creative Commons

Get connected to the net to get quotes in a flash. Image credit: Lars P via Flickr Creative Commons

Use the Internet

While we wouldn’t advise solely relying on the Internet to make your choice, it is an excellent place to start. Do a simple search for “auto insurance” in Google Maps and see what turns up. Use the links & websites provided in the results of this search to learn more about companies. Review sites like Yelp can often give a useful view of the overall sentiment of a company. Hone in on the companies who have a decent amount of reviews and an overall high rating.

Talk to your new neighbors & locals

See a neighbor parking their car? Introduce yourself and inquire whom they use for insurance. Who knows? It could result in your new best neighbor friends. Ask a coworker whom they use. People tend to give you great information regarding their experience with a company. Of course, don’t rely solely one opinion, but again, it’s a great starting place to give you some company names to start researching.

Narrow down a list

From your Internet searches, new neighbors & coworkers, you probably developed a bit of a list that needs to be researched. Keep the list of “favorites” to 3-5 companies who you’ve heard wonderful things about. Research the companies a little deeper online to find out what their core services & service mission is.

iPhone-in-hand

Using the phone is one of the fastest ways to get lower rates. Image credit: Wikipeda-Examiner-Creative-Commons

Pick up the phone

Call your short list of companies and get in touch with an agent. If you’re still feeling good about a company after a few minutes on the phone, set up a meeting to go over potential plans & quotes.

Meet the agent & visit the business

How a business appears can say a lot about how they do business. Does the agent have confusing stacks of paper all over? Would you want your documents to be lost in that pile? Go over some plan options & pricing with your potential agent.

Compare quotes & plans

Once you’ve visited the auto insurance companies that are still on your list, sit down & take some time to compare the offers they’ve made. One might have a higher price—but it might also protect you better. (Likewise—one might have a higher price and less protection! Beware!) Find the plan that fits your needs & budget from a company that treated you like a valued customer before you even purchased a plan and go with that company!

Know your States Minimum Car Insurance Coverage

StateLiability Limits
(in thousands of dollars)
Uninsured Motorist Coverage Required?
Alabama25/50/25No
Alaska50/100/25
No
Arizona15/30/10No
Arkansas25/50/25No
California15/30/5No
Colorado25/50/15No
Connecticut20/40/10Yes
Delaware15/30/10No
Florida10/20/10No
Georgia25/50/25No
Hawaii20/40/10No
Idaho25/50/15No
Illinois20/40/15No
Indiana25/50/10No
Iowa20/40/15No
Kansas25/50/10Yes
Kentucky25/50/10No
Louisiana15/30/25No
Maine50/100/25Yes
Maryland30/60/15Yes
Massachusetts
20/40/5Yes
Michigan20/40/10No
Minnesota30/60/10Yes
Mississippi25/50/25No
Missouri25/50/10Yes
Montana25/50/10No
Nebraska25/50/25No
Nevada15/30/10No
New Hampshire25/50/25Yes
New Jersey15/30/5Yes
New Mexico
25/50/10No
New York25/50/10Yes
North Carolina
30/60/25Yes
North Dakota25/50/25Yes
Ohio25/50/25No
Oklahoma25/50/25No
Oregon25/50/20Yes
Pennsylvania15/30/5No
Rhode Island
25/50/25No
South Carolina
25/50/25No
South Dakota25/50/25Yes
Tennessee25/50/15No
Texas30/60/25No
Utah25/65/15No
Vermont25/50/10Yes
Virginia25/50/20Yes
Washington25/50/10No
Washington D.C.25/50/10Yes
West Virginia
20/40/10Yes
Wisconsin25/50/10Yes
Wyoming25/50/20No

Choosing auto insurance in a new city should be about your needs & your budget—but start with a broad scope & then focus in on a company who will best provide those needs in a professional manner. With the help of searches, neighbors & a little legwork of your own, your hunt for a car insurance company should lead you to not just another bill to pay, but an advocate in the industry.

Then, when someone new moves onto the block, you’ll have an excellent insurance company to recommend to your new neighbor—and you’ll be the best neighbor on the block. 

Karrie Dubose

Karrie Dubose

Karrie graduated from the University of Washington in Seattle with a B.A. in Media Relations and Communications and a Minor in Diversity. She enjoys traveling and writes regularly for State Farm Seattle.

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