Are Your State Laws Changing in the New Year? Time to Shop for Car Insurance

Okay, so shopping for car insurance isn’t on the top of your holiday to-do list. But it should be in the top 10. Car insurance rates fluctuate monthly and by letting your policy ride, you could be leaving a lot of money on the table that you could probably put to better use elsewhere. And, depending on where you live, the state laws affecting car insurance may be changing in 2010, leaving you under-insured and liable. Here are some examples:

Do you live in California? Predicted higher California car insurance rates combined with high unemployment make it imperative that you review your policy and shop for California auto insurance quotes that are competitive.

The state supreme court has ruled to let the New Jersey insurance regulator begin implementing a medical fee schedule for expenses to be paid for by PIP (Personal Injury Protection). This should help minimize the cost of medical bills and health care related to car accidents. Consumers are expected to benefit. So if you haven’t reviewed your New Jersey car insurance policy, now’s a good time to compare New Jersey auto insurance quotes.

A month-long December campaign is targeting Texas drivers, reminding them that driving safely is the best way to control rising Texas car insurance premiums. Texas residents, review your Texas auto insurance to see if you qualify for a safe-driver premium and significant savings.

Did you know that North Carolina’s legislature recently passed laws prohibiting drivers from obscuring license plate tags and texting while driving. Ignorance of the law is no defense and getting a traffic ticketed is a sure way to jack up your North Carolina auto insurance premiums.

Illinois drivers, beware. A new anti-text messaging law goes into effect January 1, 2010. They’re also prohibiting the use of “a wireless phone at any time while operating a motor vehicle on a roadway in a school speed zone.” Keeping points off your driving record can help lower your Illinois car insurance rates.

Arizona insurance companies are required by law to notify the Arizona Department of Insurance of rate changes and 77.46 percent of insurers have reported Arizona auto insurance rate changes. Review your policy this month and start shopping around for cheaper Arizona auto insurance.

The bottom line, regardless of where you live, is that things are constantly changing and getting competitive auto insurance quotes should be your Number 1 New Year’s resolution.