Your address moved.
Your policies were written for the old one.

A move changes where the car is garaged, which town your rates are based on, and what kind of home or renters policy fits the place you live now. You’re supposed to tell your car insurer when you move, so it can re-rate the policy for the new address. That re-rating can change your price, and a different price can make another carrier more competitive: a natural moment to make them compete. Nobody has re-checked everything else: whether the home or renters policy was written for this address and this kind of home, whether the umbrella still sits on the limits it assumes, and whether your current carriers are still the right ones in your new town. We look at everything you hold against the new address, once, and tell you plainly whether to switch or stay. Get in line and we take households from it in order. Closing, coverage deadline or renewal before then? Tell us the date. Deadlines skip the line.

Common Questions

Do I have to tell my insurer when I move?

You’re supposed to. Your car insurer rates the policy on where the car is kept, so it needs the new address to re-rate it. That re-rating can change your price, up or down, and a changed price can make a different carrier more competitive than the one you have. It’s a natural moment to make them compete.

Why does moving change my insurance rate?

Auto insurance rates are heavily influenced by where you live. Factors include local accident rates, theft rates, weather patterns, population density, and the number of uninsured drivers in your ZIP code. Reading carriers’ own Massachusetts rate filings, we’ve found the gap between a carrier’s most and least expensive place for the identical household runs more than 1.5 times over at the major carriers we’ve read. Moving even within the state is not a rounding error.

Do I need to switch carriers when I move?

Not necessarily, but it’s worth having looked at. Your current carrier may still be competitive in your new area — or not. For the same household, we’ve read carriers’ own filings and found the gap between a carrier’s most and least expensive Massachusetts place runs more than 1.5 times over at the major carriers we’ve read. For a household with a newly licensed driver, most major carriers broadly agree on which places cost more — but one prices those same places very differently, so a place that’s affordable at most carriers isn’t reliably affordable at that one. Each sets its own price for every place, so a move changes your premium by a different amount depending on who carries you, and that’s what actually determines whether your current carrier is still the right one after a move. A full review is the only way to know.

When should I update my insurance after moving?

Now, and the auto policy first: the garaging address is a fact your carrier rates on. Your policy says what it asks you to report and by when, and an out-of-date address is the kind of thing that can complicate a claim. Tell your carrier, then tell us, and we look at everything again for the new address. If your move date is also a coverage deadline, tell us the date. If you are also registering a car, our RMV registration & insurance guide covers the order to do it in.

What if I’m moving to a different state?

A policy is written under one state’s rules, so a move across state lines usually means a new policy rather than an updated address. Podium works in Massachusetts, so we review households moving into the state. If that is your destination, our guide to insuring a car after moving to Massachusetts covers what the state requires when you move in.

Your address moved.
Your policies were written for the old one.

Tell us about your move

Move Details

What Should We Look Into?

You’re on the list.

Your address moved.Your policies were written for the old one.

Tell us about your move

Move Details

What Should We Look Into?

You’re on the list.

Your address moved.
Your policies were written for the old one.