I found it a lot easier than I'd have guessed, to get the answer to that question, when I simply called my car insurance agent. Service is included in your premiums.

It may vary from one insurance company to another. But I suspect most of them are similar.

State Farm covered my vehicle in Ontario, same as it does in any other state outside Michigan. No problem. No extra fees. But verify with your own company, because other people can't know all the answers to your own personal situation.

I too, have trouble finding info online sometimes. It depends on the company. Sometimes it's better to use the phone instead. At least with an insurance company, you have an agent usually with a live person answering the phone.