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Battle Creek Auto InsuranceHave you ever dreamed of packing your worldly possessions into the car and embarking on a road trip across the great landmass that is the USA? Clark Griswold and his family took to the road in the hit movie "National Lampoon's Vacation," and although you may be in search of a less eventful vacation, you can still look forward to an exciting journey of discovery through the land of the free. If you're concerned about your auto insurance coverage in different states, there are a few things you should know.

Is Your Insurance Policy Valid Nationwide?

The simple answer is yes. An auto insurance policy bought in any of the 50 states will be valid nationwide, but setting out on a long journey across several states involves the potential for accidents or financial loss. Acquiring strong coverage is recommended, but drivers can relax in the knowledge that a policy purchased under New York state law will be equally valid in California.

What Does Driving Over State Lines Mean for Your Auto Insurance?

Your level of coverage will never fall, regardless of which state you drive into. That means a policy with a state minimum of $20,000 of coverage for third-party damage will still enjoy that level of protection if the driver takes the vehicle into a state with a minimum coverage level of $10,000. Fortunately, the opposite applies when a car is driven into a state with a higher minimum level of coverage. For instance, if you were to take out minimum coverage in Kentucky, you would be covered for $10,000. However, as soon as you take your vehicle across the state line into Virginia, the state minimum of $20,000 of coverage will automatically apply. In short, an auto insurance policy is adjusted to comply with the state in which it is being driven.

What is the Best Type of Insurance Coverage for Such a Trip?

While there are varying levels of coverage available, it could be considered a false economy to purchase anything less than "full coverage."  While "liability coverage" may be cheaper, it will only cover the cost of third-party injuries and damage. It will not cover damage to your car or any items that are stolen from your car. Keep in mind that when you are spending several nights in hotels and motels, your chances of experiencing theft increase considerably. A policy with a collision damage waiver (CDW) or loss damage waiver (LDW) will cover the costs of having your own car repaired, and a comprehensive policy will cover other events, such as theft and damage caused by weather events and acts of nature.  

With such a long road trip ahead, the best advice is to always speak with an insurance agent who can recommend the most appropriate policy for your individual needs. An agent will also have the experience and knowledge to explain coverage levels and what they mean in practical terms. 

If you are planning to take to the roads of America on vacation and need information on Battle Creek Auto Insurance, call Allen Harmon Insurance now at 269-441-5156, and we'll be happy to provide you with expert advice.  

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