If you are moving out of state and trying to get a new auto insurance policy in your new state of residence, read on to see how getting multiple rate quotes can get you closer to better car insurance deals and lower premium payments.

Any time you switch states, it's a good opportunity to shop for auto insurance. Part of this is due to the idea that large multi-state auto insurance companies may use your move to recalculate your rates in ways that can result in higher premiums. In other words, if you just switch states and keep going with your old company, they may see an opportunity to simply boost your rates and tell you that's a new calculation based on the area - so the only way to be sure about whether they're on the up and up is to do a market comparison to see if you can get a better deal somewhere else. Here are some things you might want to ask your auto insurance companies about on the phone.

Ask About State Laws

Particular state laws have a bearing on state auto insurance premiums. Your rates in your new state may be different than the rates in your old state due to certain laws. For example, in the state of Pennsylvania, drivers can elect to get either limited or full tort coverage -- limited tort means that pain and suffering compensation is eliminated on claims, so it's important to think about this carefully before choosing either option.

Ask About Medical Coverage

Different states also have different systems of providing for medical cost coverage after an accident. Many states have something that's called Personal Injury Protection, or PIP insurance, where injury victims go to their own insurance companies to get money for medical bills, rather than going after an at-fault driver. But other states that have traditional systems. Do the research and see how this will influence your car insurance payments.

Ask About Your Zip Code

Some of your premium calculations may be related to the neighborhood that you will live in. For example, if you're going from a small rural neighborhood to an urban neighborhood, you may have to pay a lot more just because of traffic and crime rates in the area.

Get Comparison Rates

When talking to each insurance company, specify the amount of liability, comprehensive, collision and medical insurance that is provided. Without nailing down these numbers, you can't really make an 'apples to apples' price comparison. Knowing that you've gotten the equivalent quotes from each company, you could see which one is cheaper and which one will save you money in the long run. Visit Montana First Insurance Inc. for more information.