When you live in Matthews, NC and commute to a different state, it can be tempting to look for insurance coverage that is appropriate for the state where you drive the most often. Even though you may commute across state lines, it is not usually appropriate to buy car insurance in a state that differs from the state where you have registered the vehicle.

Protection Across State Lines

Living in one state and driving over the border to a different state can make it confusing to determine the appropriate auto coverage for your vehicle. State laws often have different minimum requirements regarding the coverage that is appropriate; however, you want to insure your vehicle in the state where you live and have registered the car.

Even if the other state has a higher minimum requirement, buying insurance in a different state can result in losing coverage after an accident or facing penalties in your home state.

In general, many insurers will automatically adjust your policy when you are driving in a different state.

Finding an Appropriate Policy

The decision to buy car insurance that is appropriate for your vehicle can depend on your goals, budget and concerns. An appropriate policy begins with ensuring that the minimum state standards are met. After you know what you are required to carry, you can add to the policy based on your personal concerns, the vehicle and your budget.

It is not appropriate to purchase insurance in any state that differs from the one where you live and have registered the car. If you are moving, then you will need to buy a new plan for the state where you are moving and then register the car as soon as you move. Contact us to talk to an agent for more information.