Whether you have been a loyal customer of your insurance company for years or have just recently changed insurance plans and are not sure of when your coverage will end, there are a few things you can do to help the situation.
How To Find Out When Your Car Insurance Expires
These days, it’s so easy to access information on a smartphone or computer, it’s almost as if you want to be always on. No more fussing with paper files at the office or requiring a friend to take them to your parent’s office. With smartphones, we’re more capable than ever before — even when we don’t know the connection.
That said, some of the stuff you’re able to do depends on where you live. Unfortunately, that alone may cause you to overlook a few important things to understand. If your favorite quiz at work is taking up two hours of your time, it’s not time well spent. Here’s a quick rundown on how to find out when your car insurance expires.
What type of insurance does your car have?
The type of insurance you carry depends on the type of vehicle you drive, the value of the vehicle, your driving history, etc. Here are some basic information about the three types of auto insurance to start with.
Depending on how you spell the word, it’s also referred to as personal automobile insurance. Basically, it’s your own insurance. A big difference here is that instead of being single-provider — insurance you pay for through your home state, local municipality, or any commercial insurer — it’s spread out among different insurance companies in your community.
This means you’ll have coverage in multiple states. Some of the biggest names are State Farm, GEICO, Progressive, Farmers, Liberty Mutual, American Family, Genworth and more.
This type of insurance covers things like physical damage, theft and liability. This is what most insurance companies are in the business of selling.
If you don’t realize that by the time you need to change your insurance, that the one you had before may have expired, here’s how you can figure it out.
Sign up for an auto insurance questionnaire
The motor vehicle department will send you a phone questionnaire when it checks your vehicle registration and license. You’ll be able to answer three questions about the vehicle’s history. You can find the vehicle name, title and VIN (quickly known as vehicle identification number) attached to each question on the questionnaire. Just text it to yourself and the department will bring up the answer for you.
Be on the lookout for when your vehicle has expired
Since each state has different rules, the deadline to renew your auto insurance probably depends on a little of both. The best way to figure it out is to ask your insurance company. If you’re still in your state of residence when your policy expires, the department will likely contact you about it.
By the time you’re off your home state of residence, especially if it’s in a different country, you’ll probably be out of luck. You’ll also probably need to have insurance in place for international travel since when you leave your state of residence the protection from personal and commercial liability starts to play a diminishing role.
Keep an eye on other state vehicle registrations when the registration date comes up
The Motor Vehicle Department may send a notification through the mail when an expiration date comes up for your vehicle registration. This is a notification to notify you of when the liability coverage is up. Since your insurance applies to you, you’ll need to pay the insurance company in order to insure your vehicle.
When your car registration date comes around, you might also need to update your registration at your state of residence, if you’re still there. In most cases, you’ll need to do this before the end of the registration term and if you haven’t, your license should be suspended.
Is it legal to re-up your insurance if you want to?
There is a lengthy list of things that can happen when you sign your auto insurance policy. The main ones are when you renew, what percentage you pay, what is covered, and the applicable disclaimers. But that’s not the end of it.
If you decide to go through with the renewal, do it before the expiration date because your current insurance will be canceled in full if you don’t. However, if you want to continue the coverage under your current provider, you’ll have to pay an increase in your premium. Keep in mind that you can only renew if your original auto insurance provider confirms the renewal.
How Can I Find Out If A Vehicle Is Insured
Sometimes you have to rent a car, rent a plane, or even rent a house to fly somewhere or to rent a car. And of course, rent a place to live or rent a car to get to a hotel.
These are some of the many expenses we all have to pay.
And for that, we need to insure our car, plane, home, and whatnot. How do I find out about these expenses to insure them? Well, luckily for us, we’ve come up with a quick and easy way to figure out what type of vehicle you drive, and to tell you if your vehicle is insured. In theory, it might take a while to figure it out because you have to input all the info.
Let’s see how to figure out if your vehicle is insured.
First of all, remember when I told you that I said not to buy insurance for stuff you don’t know about. First, let’s see what your personal identification number (PIN) is.
Personal Identification Number (PIN)
A PIN is your number. It’s a keypad you put in the ignition of your car (or anything you own). I don’t know about you, but for me, I keep a key in my left-hand purse or glove compartment when I come to get it. If you didn’t go that route, then you’ll need to do a quick search online for your PIN. From there, it will show you where you can get it or a company that can get it for you.
Two Companies That Do Prescreen (and Live Online) For You – There are also two companies that will do just that and live online in your locale.
First, there’s your car insurance company. Do you like being put in your car and seeing a car with your license number on it?
That’s what happens when you go online to apply for a new car insurance policy. They will already screen you using your computer and your PIN. They will even photograph your license and put it on your file for your first insurance check.
Then, there’s another company in your area that also does this. It’s a real company, but you’ll need to pay a fee to see it. They have to know where you live and their real ZIP code to use this service.
But, it’s a good one to keep on your do not buy list because it will ask you just enough to know that you’re not trying to lie or exaggerate your location.
And if you need a little more info or documentation, the insurance company will make you submit your statement and your things you have. Again, it’s all part of the screening process.
Next, I will need to make sure that you have a description of the car
- Then there’s the hazard lights.
- These should be working at all times.
- And if you have black lights in the trunk, they should be coming on.
You’re also going to need to know a lot about the car, as well as its emergency lights. Have you ever wondered why you can’t just flash the lights that are on? It’s because the state you live in has those too.
Next, I need to be certain that the battery in your car is real
Which means it’s running. So, if I have a mechanic in my area, I will make sure you have an appointment with him. And if I have your car, I will also go out to it. For any one of your cars, you can sit and wait to get an estimate, or get one at a dealership. It’s a little different if it’s yours. When I have a mechanic, I will have you drive it.
And finally, the gas tank
- Let’s talk fuel economy first.
- I want to be sure to find out the name of your gas station.
- If I know it’s on the way, then I won’t worry about being without a fuel tank.
Last but not least, you’ll also want to know if you have fog lights
This shouldn’t be a problem for you because fog lights don’t hurt your eyes as well as you may think. So, if you’re ready to start fishing for insurance info to tell you if your car is insured, go right ahead.