The Ins-and-Outs of Out of State Car Insurance

It’s vacation season, and for some Direct General customers that means taking a trip out of state. While hitting the road for a summer adventure is an exciting prospect, you’ll want to review your insurance coverage before you set out. Fortunately, Direct Auto’s affordable auto insurance serves customers in Alabama, Arkansas, Florida, Georgia, Illinois, Louisiana, Missouri, Mississippi, North Carolina, South Carolina, Tennessee, Texas, and Virginia.

Drivers embarking on an inter-state drive this summer may be wondering what happens to their insurance policy when they travel outside of their home state. Don’t worry summer roadtrippers! Here are some of the top questions you might have about your insurance coverage when you’re roaming far from home.

Q: Does my auto insurance policy follow me when I leave the state?

A: The short answer? Probably. Most auto insurance policies apply to the policyholder no matter where he or she is driving. However, there are policies with incredibly minimal coverage, and these policies may not have sufficient coverage to protect you in a state that has a higher minimum liability coverage point. If this is the case, talk with your insurance company about a broadening clause that will allow you to increase your protection so that it meets the minimum for the state you are traveling in.

Q: What are the states’ different auto insurance laws?

A: Car insurance requirements vary from state to state, so it’s a good idea to find out what your state requires before purchasing a policy. If you have the kind of minimal policy mentioned above, you could also check the coverage requirements of the states you’re passing through. For help, check out Direct Auto’s insurance laws guide if you live in the states we serve.

Q: Do I need to bring my insurance card with me?

A: Yes. You should always carry your auto insurance information in case something happens on the road and you need to present it to another driver or to law enforcement.

Q: What if I’m a Texan traveling to Mexico?

A: Travelers may not know that a policy that keeps you legal in the U.S. won’t cover you in Mexico. If you get into a car accident while in Mexico, there could be serious legal and financial repercussions—and those are in addition to any injuries or costs that accompany the car accident. Fortunately, Direct Auto has a policy that caters specifically to Texas customers who are driving to Mexico. To account for your Mexico travel needs, Direct Auto has partnered with MXGA, Inc. to provide customers with Mexico auto insurance with policy terms available for as few as 24-hours or up to 1 year. *

Connect with Direct

Have questions about our affordable auto insurance or about going on a road trip with the right policy in tow? Give us a shout by finding Direct Auto on Facebook and Twitter ! Or, give us a call at 1-877-463-4732 .

* Direct Auto Insurance is an agent under contract with MXGA Inc, a general agent representing various insurers authorized to do business in Mexico. Mexico Auto Insurance is currently only offered by us in the Direct Auto Insurance locations in Texas and is not available through Direct’s call center or website. All claims and policy services, including payments, endorsements, and renewals for Mexico auto insurance policies, are handled by MXGA. Coverage subject to policy terms and conditions.

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