The kids are gone, the nest is empty. Maybe it's feeling huge. I remember the questions echoing in my own head when facing an oversized, over full, empty home. Why do I need all this space? Why do I need all this STUFF?

More and more older homeowners are realizing that something smaller, more efficient, easier to clean is a logical living choice. And just think: a smaller house offers fewer places to lose your glasses!

Move Your Home: Move Your Seniors Auto Insurance

When the time comes to make that big move down, just remember that your car insurance needs to move with you. Auto insurance companies use where you live as one of the hundreds of factors that go into making up the insurance rates you pay. When you move, there's a chance your insurance premiums will change too.

They may go up. Some states, including New Jersey, Washington D.C, New York and Massachusetts, historically have some of the highest insurance rates in the country. If you're moving there, it's doubly important that you shop around for the cheap insurance rates.

Rural states typically have lower insurance costs. Fewer people=less traffic=fewer accidents and claims. Result: lower premiums. You'll find some of the lowest average insurance rates in the country in Ohio, Wisconsin, Iowa, Oklahoma, Maine, and Indiana.

Wherever you're moving, make sure your seniors auto insurance company knows about it. You need to update your home location with them as soon as you can. If you fail to inform them of your new address and you have an accident after you move, it's possible they will refuse to pay the claim. So act early to cover yourself.

Bundle Up Policies to Save Money on Insurance

You're also going to need new insurance for your new digs. Whether it will be homeowners insurance, condominium insurance or renters insurance, you could save money if you insure your shelter and your vehicles with the same insurance company. Shop for companies that offer multi-policy insurance discounts. Compare quotes from several companies to get the very best seniors auto insurance rate.

Now go enjoy your new, easier, more efficient and carefree lifestyle. You've earned it!