What is one recurring holiday that elicits excitement from people, young and old alike? It’s the weekend! So what do you do with all of this time? We kindly suggest that you take a vacation every once in a while! Here are a few travel tips as it relates to your car insurance policy and your travels.
Local or “Staycation”
Its Friday evening and you’re going to a new restaurant and then seeing a friend about 2 hours away towards the center of the state. This vacation is simple from the prospective of your insurance provider and your policy continues operating as normal.
Interstate Travel
Let’s say you’ve planned a camping trip in your neighboring state. Good luck weekend warrior and remember to keep the food wrapped so the bears don’t get a whiff of your homemade chili.
From an auto insurance perspective, did you know your provider will automatically ‘scale up’ your policy to meet each state’s minimum insurance requirements?
For example, California state law requires all drivers to carry liability coverage of $15k bodily injury (per person) + $30k max bodily injury per accident + $5k property damage, aka “15/30/5.” If you were to drive through Oregon, for example, the minimum insurance requirements become 25/50/20. Your coverage is adjusted by your carrier without you needing to lift a finger.
Be sure to check out our in-depth article on interstate insurance for more info about traveling out-of-state.
Out of the country – quando a Roma/When in Rome…
If you’re headed outside of the country (hey, why not!) here are 3 things you should keep tabs on:
- Some policies will cover you with full liability 25 to 75 miles into Mexico from the U.S. border
- You are covered in Canada for short trips, just as you are in the U.S.
- If you are overseas, you may want to purchase the local auto insurance as recommended by the car rental agency
Before you depart on your epic weekend adventure, take a quick glance at our “10 Ways that Drivers Get Distracted” travel tips infographic to make sure you don’t fall prey to one of these in-cabin diversions.
Safe travels!
Who is Answer Financial?
As one of the nation’s largest and most reputable auto & home insurance agencies, Answer Financial has insured nearly 5 million homes and vehicles. We work with 40+ top-rated carriers to save our customers an average of $565 a year on insurance.*
Answer Financial can help you compare, buy and often save the smart way on insurance. So before you shop, remember to rely on your insurance experts to find you the right insurance plan for your needs and budget.