Best Cost Car Insurance

If you move to a higher-cost car insurance state, when does the increase take effect?

If I move to a new state that has higher car theft and higher minimums, which I imagine would definitely increase my premium, would I have to pay as soon as I told the company of the address change? Or, would the increase only be seen on my next bill (a few months later)? This is for moving from Arizona to Washington, if it matters. Thanks!

Public Comments

1. Your coverage increase will take affect as soon as you move, or as soon as your current company can process the change endorsement to your policy. Keep in mind, however, that not all companies offer coverage in all States. Be sure to check with your current company to see if they even write in Washington. It might not hurt to call some agents in the area where you are moving to and compare THEIR pricing with what you have already. Good luck with your move and I hope this helps!
2. Each insurance policy is state specific. You can change your address on your current policy but you will be required to change your insurance policy, even if your current company writes in your new state. The forms are state specific and cannot be changed just because you move. That is why you have to purchase a new policy in your new state and then cancel the policy in your old state. When you move to a new state, your new state of residence will probably require that you get your license, registration & insurance in that state within 30-60 days. When you tell your current insurance company your new address, they will set your policy up to nonrenew (meaning they will not offer you a renewal since your policy forms will not be good in your new state). Your premium will probably not change on your current policy because there would be no way for your current policy to be rated out of state. Each company has rates on file in the state they do business & must charge those rates (based on many factors). They cannot charge rates of a different state on your policy.