In the United States, it’s considered unlawful to drive on public roads without the correct type of car insurance. If you’re licensed to drive and are wondering when is car insurance due for renewal the answer is relatively simple –when the existing coverage policy expires. Most plans will remain active for 12 months. Individual packages are far more temporary, such as when visitors enjoy a quick vacation to America and apply for temporary cover.
When is Car Insurance Due for Renewal?
As briefly mentioned above, the standard time for a policy to last is 12 months. Every State in the USA (apart from New Hampshire), it is mandatory for a driver to possess valid car insurance. When buying a new vehicle, a brief honeymoon period of between 7 and 30 days is permitted for a new policy to be sought out with coverage typically being provided by the previous insurer.
In this case, a new policy will be needed that matches the specifications of the new car. Driving without valid insurance, or coverage that doesn’t cater to the new vehicle can be unlawful, and offenders are prosecuted for driving without insurance. To avoid these concerns, it’s always a good idea to keep on top of renewal dates and plan to have them overlap slightly.
How Much Should They Overlap By?
Generally speaking, car insurance can be obtained in a matter of hours, but with so many providers and agencies to choose from, it doesn’t make much sense to rush into a decision. Doing so could end up costing you (as a driver) hundreds, if not thousands, of dollars more. Typically, this is why it can be advisable to compare your options before settling on one provider.
Experts recommend that when a policy is due for renewal, always aim to leave at least seven days between starting to look for a new insurer. When buying a new coverage plan online, this process can be reduced to 3 days, but it’s always worth considering that weekends may slow document processing down.
For anyone planning a vacation, it’s essential to obtain insurance before visiting the United States. This only applies to those visiting from international locations; however, as most policies will cater to all States inside of the country – barring New Hampshire, as mentioned above. If you’re in doubt, never run the risk of driving without a license and always ask an expert’s opinion before taking to the road.
Fortunately, covering your car for damage as well as obtaining driver’s liability insurance has never been simpler; what with so many agencies now offering digital services to those in need. These can be booked overnight in some cases, and comparing plans online can be just as simple.