Many insurance companies will ask you how many miles you drive and will factor them into your car insurance rate. The more miles you drive, the higher your fare could be. At Progressive, in most states, we ask you how many miles you drive to work. No matter where you live, your standard car insurance policy will normally cover you in all 50 states and Canada.
Your policy won't cover international travel outside of Canada. Whether you're on vacation out of state or taking a long road trip, you can drive with confidence knowing that you're insured up to the limits of your policy. If you spend a significant amount of time out of state, the situation can get complicated when it comes to the state where your insurance policy should come from. You may also need an additional policy if you store cars in two different states.
No, there is no separate auto insurance policy for several states, since a standard auto insurance policy generally provides out-of-state coverage in all 50 states. Nor is there a multi-state auto insurance policy that originates in two or more states. Any auto policy you buy will originate in a single state, usually the state in which you reside. If your car travels with you from house to house, you'll only need one policy.
This is commonly called the snowbird exception because it usually affects snowbirds that spend the winter months in a state of warm weather. For example, let's say you divide your time between Ohio and Arizona and keep your car in the state where you currently reside. You'll have an Arizona policy for the fall and winter months when you live in that state. When you return to Ohio during the spring and summer months, you can cancel your Arizona policy and start an Ohio policy.
This is known as rewriting your policy for another state; if your car moves with you, it helps you avoid having to pay for independent insurance coverage outside of the state that isn't necessary. Get to know our culture and our people Chat now to ask Flo anything or explore the most frequently asked questions. By requiring specific liability insurance for victims of an accident caused by you, they can receive financial assistance for injuries and property damage without seriously affecting their own financial well-being. In that case, you would need two car insurance policies, one for the vehicle that is kept overnight in Connecticut and a policy from another state in New York for the vehicle you keep at work.
While auto insurers have traditionally used factors such as age, location, and motor vehicle report to determine the risk of having an accident, usage-based insurance helps calculate the car insurance rate by analyzing how often and how safely you drive. Many auto insurers offer optional UBI programs and can be beneficial to both parties: you can get a reduction in the rate and your insurer will use the data to better price your policy. The main reason why car insurance is mandatory in almost every state is because of your personal liability (liability) if you cause an accident. If you have a child who is going to an out-of-state college and has a car on campus, they may need a separate car insurance policy for another state, depending on the state in which they go to school.
If you drive infrequently and expect to get a reduced rate, participating in a habit-based UBI program could be more advantageous than pay-per-mile car insurance. The age of your car may affect the overall insurance rate, but a higher or lower reading on the odometer isn't something insurers generally use to set rates. That's why it's also important to know how much car insurance you need, so as not to jeopardize your personal assets in the event of an accident. Comprehensive car insurance and collision insurance are also common types of car insurance coverage, although no state requires them.
However, drivers who choose not to purchase auto insurance must show that they have sufficient funds to meet the state's financial responsibility requirements (PDF) in the event that they cause an accident...