Driving Out of State: Does Your Car Insurance Travel with You?

Planning a Road Trip? Know Where Your Auto Insurance Operates

Before a big road trip, the last thing on your mind is auto insurance in Hudson, NY. You’ve got to pack, plan your route, and tune up your vehicle. Even so, it’s important to take a moment to understand how and where your auto insurance will protect you. If you’re traveling out of state, you should know how that affects your current car policy.
Auto insurance requirements vary state to state, with each enforcing a different minimum liability coverage amount. It’s a natural to be concerned about coverage when traveling into different states that have higher liability requirements than what you may have on your policy. Here’s what you should know before you set off.
Where does my car insurance work?
Even if your insurance company doesn’t operate in the states that you’re planning on visiting, you may still be able to use your coverage. Generally, the only time your out-of-state insurance would not work is if you were moving to a new state permanently. In that case, you’d need to purchase a policy from the new state so you could satisfy their coverage requirements.
Where will my car insurance not work?
If you’re leaving the U.S. by taking a detour south to Mexico or north to Canada, you may need to secure different insurance while driving there. Many insurance companies do not extend protection to other countries, so be aware of this gap if you are venturing outside of America. If you drive abroad, too, you can most likely get insurance from the rental car store where you pick up your vehicle.
To get the right policy to fit your needs, turn to the experts at Lofgren Agency.  Contact us to get covered today!

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