Insurance Articles by A-1 Auto Insurance
Obtaining Auto Insurance for an Out of State Move
If you are in the process of moving to another state, you will have a lot of details to manage. However, if you will also be transporting your vehicle, there are a lot more issues to consider. Each state has its own requirements regarding transferring your license, registering your vehicle and undergoing emissions and safety inspections. The amount of time you have before obtaining an auto insurance policy that meets the state’s requirement and ensuring your vehicle complies with the local regulations will also vary according to where you move.
One of the first tasks on your checklist should be to visit the local Department of Motor Vehicles branch of your new residence. If you want to do this before you arrive in your new state, you can always visit the website and obtain the necessary information. You can find out exactly how much time you will have before you have to meet all of the requirements to drive your vehicle in your new town or city, as well as defining those particular requirements.
For example, a move to Texas may require you to pass a vehicle safety inspection and show evident of auto insurance before you actually take your vehicle on the local roads. This may be very different from the regulations in the state of California that only requires drivers to inspect vehicle emissions. If you want to learn the location of all the local inspection facilities, you can consult the local phone directory in your new city or town. An even easier option is to conduct an Internet search one of the large search engines such as Google or Yahoo!
County tax offices in the state of Texas require you to submit an original out-of-state title for your vehicle. You can submit a form to obtain one if necessary. You will also be required to pay a title application fee, new resident tax and registration fee. The next step involves visiting the Texas’ DMV, the Department of Public Safety to apply for a driver’s license. That process involves showing proof of vehicle registration, Texas auto insurance on every vehicle, your social security number and proof of your identity. You can purchase temporary auto insurance, depending on your circumstances. Just be sure you don’t show the DMV your valid out-of-state license or they will require you to surrender it.
Anyone who is not a citizen of the United States must show proof of their legal status in the US in order to obtain a driver’s license. Non-citizens of the US can obtain insurance just as easily as US citizens. However, you may pay a higher amount if your insurance company does not accept your prior years of driving experience or is unable to verify your prior traffic violations or credit rating. Most foreigners purchase a vehicle in their new state, rather than transporting their own vehicle. That’s why the procedure is usually the same for individuals who are moving from another state or another country.
It is recommended to obtain auto insurance before you cross the border of the new state. Each state offers different types of insurance, different rates and various minimum prices to obtain that insurance. You should also check if you will be moving to a no-fault state. If so, your insurance company will pay your lost wages, medical bills and rehabilitation costs, regardless of who is to blame during an accident. In at-fault states, the insurance company of the driver who has caused the accident will end up paying. Insurance companies may also pay a portion of the expenses, according to the degree of fault for each party involved in the accident.
As you can see, each state has its own rules and red tape. Your waiting time to obtain auto insurance for your new state will also depend on the particular paperwork and documents you already possess. Inform yourself about the regulations regarding auto insurance in your state and you will save yourself a lot of time and frustration.
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