No matter where you live, your standard car insurance policy will normally cover you in all 50 states and Canada. Your policy will not cover international travel outside 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 determining the state in which your insurance policy should originate.
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 offers 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 between houses, you'll only need one policy. This is commonly called the snowbird exception because it generally 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 paying for separate insurance coverage out of 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. A multi-car insurance policy only means that you have two or more vehicles in your policy.
If you have more than one vehicle in the same direction, you can add them all to your policy. Some insurance companies may indicate that they must have a garage at the same address, but an actual garage is not required. It simply means that cars must be parked in the same direction or close to it. Insurance companies have different rules about who can or cannot be added to an auto insurance policy, as well as how many drivers can be on the list.
In that case, you would need two car insurance policies, one for your vehicle that stays overnight in Connecticut and another policy from another state in New York for the vehicle you keep at work. Yes, you can get a multi-car discount if you have more than one vehicle on your Progressive auto insurance policy. Multi-car insurance means having multiple vehicles in an auto insurance policy kept in the same place. Comprehensive auto insurance coverage and auto collision coverage can pay for a wrecked or damaged vehicle due to an accident or other covered incident.
Using data from the National Association of Insurance Commissioners (NAIC), the Insurance Information Institute (III) calculated the ten most and least expensive states for auto insurance. Insurers consider many other factors when determining the cost of car insurance, such as your age, driving history, where you live, the make and model of the car, and more. This information is not an insurance policy, does not refer to any specific insurance policy, and does not modify any provision, limitation or exclusion that is expressly stated in any insurance policy. 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.
For example, if you live in Connecticut but work outside the state of New York, you would have an auto insurance policy in Connecticut, since the vehicle stays there overnight. By requiring liability insurance, specifically for victims of an accident caused by you, they can receive financial help for injuries and property damage without seriously affecting their own financial well-being. Just add any vehicle that belongs to your spouse, family member or roommate to your policy and you'll receive the multi-vehicle discount as long as the car is mainly kept in your direction. The main reason why car insurance is mandatory in almost every state is because of your personal liability (liability) if you cause an accident.