Moving Out of State? Don’t Forget These 7 Steps For Your Car
Your bags are packed. You’re ready to go. But what happens when your license plates don’t match your new state? It turns out, there are a lot of laws and protocol you have to know about when moving to a new state with a car you own. That’s why we have an easy step-by-step guide for you to follow if you’re moving—so you don’t miss a beat, spend more than you have to, or get a ticket.
Step 1: Get a New License
If you’re moving to a new state (this doesn’t count for kids going to college) and plan on being there for a while, you’ll need to get a new license. If you already have a license, this is just a simple trip to the DMV where you’ll have to pay a small fee and take a new photo. In some states, you might have to take a written exam on state driving laws even if you have a license. However, every state has their own set of rules, so make sure you look up your state before you move to find out all of the details.
Step 2: Register in Your New State
If you own your car right out, you’re in the easiest position since you already have the title and bill of sale. This will just take a trip to your local DMV to register for the first time in a new state. You can expect to pay a small fee and be given temporary or permanent plates that day.
For those financing or leasing, this is a bit trickier since you’re kind of the middle man (even though you’re the one driving and paying for the car). Either way, you’ll have to contact your lender, instruct them to mail the title to the DMV closest to you, and then go in to complete your registration once the title arrives. The DMV will take care of mailing the title back to your lender for you.
Step 3: Return Your Plates
Every state has different laws and this also varies depending on if you lease or own the car. For the most part, once you register your vehicle in a new state, you’ll need to mail your old plates back to your old DMV.
Step 4: Update Your Insurance Policy
Don’t forget to update your insurance! Minimum coverage laws differ by state and neglecting to change policies could wind up hurting you financially and legally if you need to make a claim and aren’t covered. Just call your insurance company and they’ll put you in touch with an agent licensed in your state.
Step 5: Update the DMV
Updating your previous DMV to deactivate your old license plates is a must as soon as you receive your new motor vehicle registration. This will also terminate your liability for paying property tax in your previous home state. You can contact your county clerk to make sure they’re aware of your change of address too as an extra step to ensure you don’t pay extra in property taxes and receive a refund for over-payed taxes and registration fees too.
Step 6: Update Your Lender
If you have a lender for financing, they will be the ones who hold the original title. The vehicle title is something you’ll need to register your car in a new state. You’ll have to call them and coordinate mailing the title to the DMV in your new state so you can register you car. Then, the DMV will mail the title back to your lender and you won’t get it until you pay off your car.
Step 7: Register to Vote
Having a license in your new state will give you the ability to participate in local elections. The option to register to vote will most likely be a checkbox on the registration form, so make sure you fill it out so you’ll be able to vote and fully integrate into your new state!
Before making any final decisions on your insurance company, it is important to learn as much as you can about your local insurance providers, and the coverages they offer. Call your local insurance agent to clear up any questions that you might have. Questions to consider asking include, “What is the best coverage plan for me/my family/my situation?” “What are the minimum coverage requirements in my state and what form of coverage do you recommend?” “Do you guys offer any bundle discounts if I take out both my auto insurance and home insurance with you?” and “What is the average rate of insurance quotes you guys offer?”
Before making any big insurance decisions, use our free tool to compare insurance quotes near you. It’s simple, just plug in your zip code and we’ll do the rest!
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