Have you ever wondered if traveling out of state affects your car insurance? Read this guide before you leave for your road trip!
When traveling from state to state within the continental United States, there are a lot of questions you may have like- “What is the highway speed limit in other states?” “What laws do I need to look out for?” and of course- “Did I leave the faucet running?”
Today, we will be answering one of the most common travel questions- How does traveling out of state affect car insurance?
Traveling Out Of State Affects Car Insurance
Traveling out of state is often a fun and rewarding endeavor, and while more public methods of transportation like the classic taxi service can be a good option, it can have its fair share of issues to address.
Plus, some people like to have their transportation at their disposal. It undeniably offers more freedom and can even be cheaper, depending on circumstances. Read on to ensure that you are covered when you decide to drive yourself when going on a trip, and if you’re looking for a car to do these road trips on dealerships now a days can get the best auto leads to promote their cars, so you can get great options in these.
Interstate travel
The question of how interstate travel is certainly a common question, and it makes many people a lot more fearful of driving when out of their home state. So, what does traveling to another state mean for your car insurance?
Fortunately, there is a fairly easy answer. It doesn’t. Not really, at least. Now, this doesn’t apply to every situation, but as a general rule, it’s safe to assume that no matter where you are in the United States, your car insurance provides the same protection as it does from home.
That being said, it’s never a bad idea to call your Car Insurance Provider and double-check what your policy covers specifically.
According to an auto accident attorney, one of the most common car insurance laws that change from state to state is minimum coverage. This is also a case where it is safe to assume that you will be covered, even when in an accident.
As an example, in a state with a higher minimum coverage requirement than the one currently on your policy, your insurance will function as though your coverage was the same as that state’s minimum coverage when you are in an accident. What this effectively means is if your maximum coverage was lower than the state minimum, you will receive the state minimum coverage for your policy.
If you are reconsidering your current insurance coverage, it may be a good time to explore your options and get affordable car insurance that gives you peace of mind wherever you may go. You can also check out new cars at sites like AmericanListed if your car is not insured at the time of the accident.
Traveling Out of The Country
While insurance for interstate travel is a pretty straightforward endeavor, traveling outside the United States can cause a whole different series of issues when it comes to your car insurance coverage. It can typically be safe to assume that your car is covered anywhere in the US but don’t make the same mistake when going through any other country.
As always, contacting your insurance provider is one of the best ways to get more information about your policy and exactly what it covers. If you are concerned about your insurance while driving out of the country, it’s best to know what you are getting into.
There are a couple of options to give yourself a little extra peace of mind when driving in another country. For example, several credit card companies offer car rental protection when you use their card, so contacting your preferred credit company is worth the time and effort.
Other good options include purchasing a temporary policy either from the car rental company you may be using or purchasing insurance directly from the country you will be traveling in. Either of these options provides adequate coverage- just make sure you know exactly what is in your policy first.
Conclusion
It really can’t be repeated enough: the key is to do your due diligence when traveling. Call your insurance provider, make sure you are covered. If you’re not satisfied with your current policy, you can compare deals from over 100 insurers at moneyexpert.com. Travel is exciting for a reason! Don’t let potential insurance issues drag down an otherwise rewarding trip.
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