Richard Dumont's Blog
When relocating to a new home, you’ll need to plan to pack, hire movers, and to change your address with the post office but don’t forget to update your car insurance. If you’re moving to a new state or just to a new zip code, you will have to make some changes to your insurance to ensure you’re covered at your new residence.
Do You Have to Change Your Car Insurance When You Move?
Each state, and sometimes counties and cities, set the requirements for auto insurance coverage. Some states require a higher level of accident coverage, while others may require a coverage lower than what you already have. You need to adjust your policy to suit the demand of the state. If your current coverage meets the requirements, your premiums may still change.
Decide on an Insurance Provider
As soon as you are confident you will move, contact your insurance company to see if they conduct business in your new state. Ask your insurance agent about the rules of your prospective state and if you need to change your policy. Doing this early gives you enough time to make the necessary adjustments and have them in place for when you move. If the company you use does not operate in your new state, take some time to research your options.
Insurance costs vary from one carrier to the next because each company emphasizes different factors that might affect your vehicle in your new location. If you need to change your current insurance company, plan to compare prices and policies from at least three different carriers before deciding on which provider you want.
Some states in the US require car owners to have "no-fault" insurance coverage. No-fault coverage means that a car owner's insurance company covers any loss, medical bill, or funeral expenses caused by a car accident irrespective of whose fault the accident was (yours or the other driver). You have to find out if your new state has such a law so that you can put the required coverage in place.
Insurance companies factor the chances of various events occurring before determining your premium. Relocating to another state might increase or decrease the likelihood of you making a claim due to theft, vandalism, or accidents. If you move from a small town to a larger city, it is likely your payments will increase.
For more clarification on your car insurance, speak to an agent in your insurance company before the day of the move. Your realtor can recommend the best options for you to choose from in your new location, so add that to your talking points for the next meeting.
If you recently bought or sold or home, it may be only a matter of time before you need to move into a new residence.
The stress of getting ready for moving day can be overwhelming, particularly for those who have lots of items to pack but only a limited amount of time to do so.
Lucky for you, we're here to ensure you can enjoy a seamless moving day.
Now, let's take a look at three tips to help you prepare for moving day.
1. Begin Packing Up Your Belongings ASAP
Start packing today, and you'll be able to get your belongings ready for moving day. /p>
Categorizing your moving boxes usually is a great idea. For example, placing kitchen items together may make it easier for you to unpack all of your kitchen belongings at once when you arrive at your new address.
Don't forget to declutter while you pack as well. If you find there are items that you no longer need, you may be able to sell them or donate them to charity before moving day arrives.
In addition, if you need a moving truck to transport your belongings from one location to the next, you should make reservations as soon as you can. The longer you wait to book a moving truck, the less likely it becomes that one will be available for your upcoming move.
2. Cancel Your TV, Internet and Phone Services
As moving day approaches, it can be easy to forget to cancel various services at your present home. However, if you contact your TV, internet and phone services providers today, you won't have to worry about canceling these services on moving day.
In many instances, you may be able to transfer your TV, internet and phone services to your new address. Your services providers will be able to provide full details about all of your options so you can plan accordingly.
Reach out to your utilities providers and other services providers to inform them about your upcoming move too. You also should fill out a change of address form with the United States Postal Service to ensure your mail goes to your new address after moving day.
3. Conduct a Final Walk-Through of Your Current Residence
Before you leave your current location, be sure to complete a final walk-through of your residence. This will allow you to locate any missing items and bring them with you to your new address.
Getting ready for moving day often requires hard work and patience. And if you need extra assistance along the way, your real estate agent may be able to lend a helping hand.
Your real estate agent is a housing market expert who understands exactly what it takes to buy or sell a residence. He or she is happy to provide support at each stage of the homebuying or home selling cycle and ensure you can quickly and effortlessly move from one home to another.
Take advantage of the aforementioned tips, and you should have no trouble prepping for moving day.
Life is complicated; however, your moving day experience does not have to be this way. In fact, there are many ways to avoid a complicated moving day experience, and these include:
1. Plan Ahead As Much As Possible
When it comes to moving day, it pays to be prepared. Thus, if you plan ahead as much as possible, you can identify any potential moving day pitfalls and address them before they escalate.
Pack as many items as you can before moving day – you'll be glad you did. If you pack in the weeks and days leading up to your move, you can avoid the stress of last-minute packing.
Also, box and label all of your personal belongings. This will make it simple to safely pack all of your personal belongings into a moving truck and find these items as soon as you reach your final destination.
2. Get Plenty of Rest Before Moving Day Arrives
Moving day likely will be a long, arduous experience, regardless of how much you plan for it. Conversely, if you get a good night's rest before moving day, you can kick off your move feeling rejuvenated and refreshed.
In addition, you should start your moving day with a healthy breakfast. This will give you something to look forward to on moving day, and the breakfast itself will provide you with plenty of energy to help you seize the day.
Don't forget to plan regular breaks as you complete your move. If you do not take a break every once and a while, you risk wearing down quickly on moving day.
3. Hire a Moving Company
There is no need to leave anything to chance, especially if you're planning a big move. Luckily, moving companies are available in cities and towns nationwide, and these businesses employ highly trained moving professionals to assist you in any way possible.
If you intend to hire a moving company, don't wait. Remember, the longer that you wait to employ a moving company, the less likely it becomes that this business will be available when the big day arrives.
Furthermore, you should check out a variety of moving companies in your area. This will enable you to examine various moving companies' strengths and weaknesses and determine which business can fulfill your moving needs.
If you need extra help determining whether a moving company is right for you, it never hurts to reach out to the business directly. In most instances, a moving company can provide client referrals that can help you make an informed decision.
Lastly, for those who are uncertain about how to prepare for a move, it may be helpful to collaborate with a real estate agent. This housing market professional can help you buy or sell a house, along with provide insights into what it takes to complete a successful relocation.
Want to enjoy an uncomplicated moving day experience? Use the aforementioned tips, and you can reap the benefits of a seamless transition from one address to another.
Are you planning on moving in the next 6-8 months? Don’t let your belongings take ownership of you. As consumers, we tend to accumulate a lot of “stuff” over the years. After spending 5, 10, or 20-plus years in one home, this can amount to more than some of us can handle. Do you have more than 4 sets of dishes? How about piles of toys & board games from when your kids were younger? And then there are those passed-down antiques that no one in the family seems to have use for, yet no one wants to throw away.
Rather than rush while packing and having to take the whole mess with you to your next home, consider starting the process early! You can categorize your belongings into the following groups:
- Throw it away
It may be hard to discern which category an item goes in. This is why it’s a great idea to solicit help when you’re moving and downsizing your piles of stuff. An outsider can be a bit more objective to help you see what’s useful and what isn’t.
The Keep Pile
The items you want to keep through your move are those that you use every single day. There’s no question in your mind that you’ll need these things at your next residence. Think of the items that are either irreplaceable or still in good working condition like bedding, the coffee pot, furniture, and personal items like books, DVDs, and electronics.
Sell For Profit
If you have a question about any of the items that you’re going through, you may want to consider selling them. Is your sofa still in good condition, but won’t fit well into your new place? It’s time to get that piece of furniture to another good home and make a bit of cash while you’re at it. There are tons of websites, apps, and other resources that connect you with people who are looking for the items that you want to get rid of.
Some items may not be an easy sell. You may not even have the time to sell them. This is where donation centers allow you to do some good while you’re cleaning out your things. As you’re packing for the move go through things like clothes, books, DVDs, games, toys, and other knickknacks. Those figurines that have been sitting on the shelf may not be ideal for your new house.
It’s also a good idea to keep the amount of space that you’re dealing with in mind. If you have less space, downsizing will be ever important. On the flip side, if you’re moving into a bigger house, you don’t necessarily need to fill it up!
Unfortunately, we’ll always have a few things that need to be thrown out. Items that are ripped, stained, worn, broken, or plain useless must face the fate of the dumpster.
No matter how you go about cleaning out your home before a move, you should know that it will feel amazing to have a lighter load to move as the clutter is cleaned out.
If you buy or sell a house, you may need to hire a moving company as well. That way, you can work with an expert moving company to ensure all of your personal belongings can safely make it to your new address.
Ultimately, there are lots of things you can do to put yourself in the best position to conduct a successful search for a moving company, such as:
1. Reach Out to Multiple Moving Companies
There is no shortage of moving companies available in cities and towns nationwide. Thus, if you reach out to several moving firms, you should have no trouble finding one that matches your budget.
Account for your moving timeline as you search for a moving company, too. The top moving companies may be in high demand. But if you can give a moving company plenty of notice about your upcoming relocation, you can boost the likelihood that this business can help you on moving day.
2. Request Client Referrals
Sometimes, it can be tough to differentiate one moving company from another. If you ask a moving company for client referrals, however, you can learn from a business' past clients. Then, you can use these client referrals to help you decide if a particular moving company is right for you.
A moving company typically can provide client referrals upon request. Meanwhile, you should ask a moving company's past clients about their experiences. You then can use these clients' insights to determine if a moving company can match or exceed your expectations.
3. Evaluate a Moving Company's Services
Moving companies may provide a wide range of services for residential and commercial customers. As such, you should examine a moving company's services to find a business that can help you accomplish your desired results.
If you need a moving company that can help you pack and move your belongings from Point A to Point B, for example, you should hire a business that can fulfill your request. On the other hand, if you need a moving company that can handle an out-of-state relocation, you should hone your moving company search accordingly.
When it comes to finding the right moving company, you may encounter myriad challenges along the way. Lucky for you, a real estate agent may be able to help you speed up your search to find the right moving company.
In addition to helping you buy or sell a residence, a real estate agent may provide moving company recommendations. He or she also may be able to put you in touch with the top moving companies in your city or town.
For those who want to streamline an upcoming move, it generally is a good idea to hire a moving company. Thanks to the aforementioned tips, you can conduct a comprehensive search for a moving company in your area. As a result, you may quickly find a moving company that can take the guesswork out of transporting all of your belongings to your new home.