No matter where you live, your standard car insurance policy will normally cover you in all 50 states and Canada. Your policy won't cover international travel outside of 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 the state where your insurance policy should come from.
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 provides 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 from house to house, you'll only need one policy. This is commonly called the snowbird exception because it usually 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 having to pay for independent insurance coverage outside the 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. In that case, you would need two car insurance policies, one for the vehicle that is kept overnight in Connecticut and a policy from another state in New York for the vehicle you keep at work.
Classic car insurance is similar to regular car insurance, except for several additional coverage options, including coverage by agreed value, tiered mileage plans, and replacement parts coverage. According to Plymouth Rock, most insurance companies will define a classic, vintage or vintage car as a collectible vehicle, considered to be of limited production, exceptional quality, or that has a particular historic quality. 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.