Switching Auto Insurance: Progressive's Guide For New Movers

Moving to a new state can be a stressful experience, especially when it comes to updating your car insurance. Progressive offers a seamless process for switching your auto insurance after relocating. It's important to note that each state has different coverage requirements and regulations, so you'll need to get a new insurance policy if you move to a different state. Progressive provides a dedicated team to handle your move efficiently. You should notify your insurer of your moving date and new address as soon as possible to ensure continuous coverage. Progressive also offers the convenience of updating your address online or over the phone. Remember to compare policies and ensure your new policy reflects your previous coverage. You can switch car insurance companies at any time and even keep the same insurer if they operate in your new state.

Progressive offers a 30-day grace period to switch insurance to a new car

For example, if you only have liability coverage and get into an accident in your new car, your new car will not be covered for any damages. To avoid this, you can call Progressive's customer service line at 1-866-749-7436 to add your new car and any additional coverage.

If you are new to Progressive, you can get a quote by calling the same customer service line. You will be able to add your new vehicle to a new Progressive insurance policy within an hour, provided that you have the right information on hand. To add your new car to a Progressive policy, you will need the vehicle identification number (VIN), information about how you will use the car, and details of any additional drivers.

It is important to note that Progressive is not the only insurance company that offers a 30-day grace period for switching insurance to a new car. Other major companies, including Allstate, Farmers Insurance, Geico, Liberty Mutual, and USAA, also offer a similar grace period.

Additionally, it is worth mentioning that Progressive allows customers to switch insurance companies at any time, even if they have just renewed their policy with another company. When changing insurance companies, it is crucial to ensure there is no gap in coverage and to cancel the previous policy to avoid any issues or lapses in protection.

You can switch car insurance companies at any time

When switching car insurance companies, it's crucial to ensure there is no gap in your coverage. This means that your new policy should start on the same day your old policy ends. Having a lapse in coverage, even for just one day, can lead to negative consequences, such as higher insurance rates in the future or driving without insurance.

• Compare car insurance quotes from multiple providers: Get quotes from at least three different insurers, making sure to compare the same coverage types and limits for accurate premium comparisons. Consider factors such as price, customer service, claims handling, and available discounts.
• Contact your current insurer: Before switching, consider discussing your options with your current insurer. They may be able to offer you a better rate, identify new discounts, or help you optimize your coverage.
• Choose your new insurer: After comparing quotes and researching the companies, select the insurer that best suits your needs and budget.
• Purchase your new policy: Buy your new policy before your old one expires, ensuring there is no lapse in coverage. Schedule the new policy to begin at least one day before your current coverage ends.
• Cancel your previous policy: Contact your current insurer to cancel your old policy. You may be eligible for a refund for any unused portion of your premium.
• Get proof of your new insurance: Print or download your new digital insurance ID card, which you'll need to keep in your vehicle or wallet.
• Inform your lender or leasing company: If you have a car loan or lease, update them with your new insurance details. They will need to know about any changes in your insurance coverage.

Your new address may increase or decrease your insurance rate

Your new address may also impact your insurance rate because it affects your annual mileage and commuting distance. If your new address shortens your commute, you might see a lower rate. Conversely, if your new address increases your driving distance, you may experience a rate increase.

In addition to claims history and commuting distance, insurance companies consider other location-specific factors when setting rates. These factors include traffic, crime, and weather conditions. For example, moving from a rural area to an urban area with more drivers, crowded roadways, and a higher rate of collisions can lead to an increase in your insurance rate. Similarly, moving to an area with higher vehicle-related crime statistics, such as theft or vandalism, can result in higher rates.

It's important to note that your insurance rate may also be influenced by state regulations. Each state has different coverage requirements and regulations, so moving to a new state may result in a change in your insurance rate. Additionally, some states fall under a no-fault system, where each driver must carry personal injury protection, which can lead to higher insurance rates.

While your new address may impact your insurance rate, it's worth mentioning that other factors can also contribute to rate changes. These factors include your driving record, age, credit score, and changes to your vehicle.

You must change your car insurance company if they don't sell insurance in the state you're moving to

If you're moving out of state, you'll need to get a new insurance policy if your current provider doesn't sell insurance in your new state. This is because car insurance requirements vary from state to state, and your new state may have different coverage requirements and regulations.

• Contact your current insurance agent or company: Verify whether your current company offers auto insurance in your new home state. If they don't, ask friends or family in your new state for recommendations. It's a good idea to let your insurance company know about your relocation plans and provide them with your moving date and new address as soon as possible.
• Learn about the insurance requirements in your new state: Different states have different laws and requirements for insurance coverage. Your new policy may include additional coverages that you didn't have before, such as underinsured/uninsured motorist coverage, personal injury protection, or medical payments coverage.
• Compare policies and buy a new auto insurance policy: Compare prices and coverages, and choose a new car insurance company that best suits your needs. Remember to consider factors such as claims handling, coverages, limits, and deductibles when making your decision.
• Cancel your old policy: Once you've purchased a new policy, contact your previous insurance company and cancel your old policy. If you're staying with the same insurer, they should automatically cancel your old policy once they issue your new one.

It's important to note that you'll typically have 30 to 90 days to switch your car insurance after moving to a new state. However, it's always a good idea to verify the exact timeline with your current insurance provider to avoid any fines for missing the deadline.

You can update your address online or over the phone if you have a Progressive policy

If you have a Progressive auto insurance policy and you're moving in-state, you don't need to get a new policy. However, you must notify Progressive of your new address. Progressive allows you to update your address online or over the phone. Here's how you can do it:

Updating Your Address Online

Log in to your Progressive policy online. You can make changes to your policy, such as updating your address, by logging in to your account on the Progressive website. You can also download the Progressive app on your smartphone to manage your policy and make payments.

Updating Your Address Over the Phone

Call Progressive at 1-866-749-7436. Progressive representatives are available 24/7 to assist you with any changes to your policy, including address updates.

It's important to note that even if you're moving temporarily, you must notify Progressive of your new address. Depending on the laws in your state, you may be able to keep the coverage you had at your previous address. Additionally, Progressive may require address verification to ensure accurate rating and prevent insurance fraud. You may be asked to submit proof of your new address, such as a recent pay stub, license, W-2, or utility bill.

Frequently asked questions