Everything from moving to buying a home or getting married can impact the amount you pay for auto insurance. You don’t have to wait until renewal time to make adjustments to your auto policy. Updates can be made as circumstances in our lives change to ensure you have the proper coverage for your needs and budget.

When You Move

Whether moving in-state or out-of-state, you’re required to notify your insurance company as this could affect your insurance premium costs. Essentially, when you’re moving to a new state, you’ll want to ensure that your coverage meets the state’s minimum insurance requirements. You’ll also want to know if your insurance company offers coverage in your new state or if you need to look for a new carrier altogether.

Even if you’re moving within the same state, a new garaging address or transitioning from being a renter to a homeowner could mean a lower auto insurance rate. It would help if you talked to your insurance carrier to determine the types of discounts you could be eligible for. Your location is a primary rating factor as it goes a long way towards establishing your rate.

If Your Teenager Gets a Driver’s License

It’s cheaper to add your teenager to your existing auto insurance policy than getting them a separate policy. To do that, you’ll need to do it officially by adding them as a driver when the license is obtained. While most insurance companies will generally extend coverage to “permitted” drivers, once your teen has their “license”, you must add them to the household policies. It’s best to notify your insurance agent the same day your teen becomes licensed. Some insurance companies will deny coverage if you don’t.​

Getting Married or Divorced

If you have gotten married, you can combine insurance coverage on your household’s vehicles and save immensely with a Multi-Car Discount. On the other hand, if you get divorced, you probably won’t be sharing a car with your ex-spouse and will have likely moved to a different residence. If this is the case, you are required to inform your insurer to set up separate auto policies.

It’s important to keep your personal information up-to-date including your phone number, address, and email so that you can continue to receive any information the insurer sends as it pertains to your policy. A good place to start when you are looking to update your auto insurance policy is to get in touch with your insurance company, broker, or agent by chatting with them online to notify them of such changes.

Update Your Policy with Nevada Insurance Enrollment

Talk to one of our knowledgeable auto insurance agents about updating your insurance policy to reflect your needs/budget. As a local insurance agency serving the entire state of Nevada, we work hard to help you find competitive quotes for the best auto insurance coverage. Call us today and let us handle your insurance needs.