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5 Steps to Switch Car Insurance

  • Tabitha Naylor
  • June 3, 2014 8:00 AM

woman hands holding blue car isolated on white background

When you have decided to switch car insurance companies, contrary to popular belief, you do not have to wait until your current insurance policy expires. You can switch online or on the phone, which will make it easy and convenient to get the coverage you need for your vehicle. The following five steps will make the process of getting new car insurance easy and efficient.

  • Step 1: Determine your Insurance Coverage Needs

    Purchasing a brand new car, having a baby, moving, getting married – these are just a few of the life-changing situations that may affect your coverage needs. The good news is there are plenty of different coverage options, deductibles and limits to choose your new coverage from. It is important to carefully consider your needs and then opt for the highest amount of coverage that you are able to afford comfortably.

  • Step 2: Check Rates and Offers from Several Different Insurers

    When you have determined the type of coverage you want, you need to begin to look into what different insurance companies can offer. During this process there are several things to do:

    • Compare Options

    You can receive a free insurance quote from a number of different prospective insurers. When you do this, take time to compare the coverage being offered, limits and the deductibles, not only the price of the policy. You should also find out what the payment options are and check for any discounts that may be available.

    • Research the Reliability of the Companies

    You should check out the reputation of potential insurers by looking to see what other customers have said.

    • Check how Convenient the Companies are

    You never know when you are going to need service or have to talk with a customer service representative. You should ensure you choose an insurer that is available 24/7.

  • Step 3: Make Your Insurance Switch

    Once the groundwork is in place, you will need to put a plan in place. Once you have received a quote that meets your needs, you need to purchase your new policy prior to terminating the old one. In some states canceling your insurance policy will result in your provider having to report it to the motor vehicle department in your state. This is why you need to ensure your new policy starts on or before the day that your old insurance policy ends.

  • Step 4: Don’t Renew or Cancel your Previous Insurance Coverage

    There are a few things to keep in mind when you contact your insurer in order to cancel or notify them that you will not renew your policy, which includes:

      • Ask about any type of cancellation charges
      • Schedule the cancellation date so that it is on or before your new car insurance coverage.
      • Request confirmation that the policy is actually canceled.

    Your prior car insurance provider will help you get through the entire process of cancellation. There are some cases where you will be able to receive a refund of your premium, depending on the payment plan you have chosen.

  • Step 5: Print Out Your New Car Insurance ID Cards

    Once all the previous steps are completed, you need to swap out your older insurance identification cards with the new ones by the day that the policy becomes effective on. Be sure you keep one in your vehicle’s glove box, unless they are not necessary in your specific state.

Switching your car insurance to a new provider does not have to be difficult or stressful. With a few easy steps you can have a more affordable rate with better coverage for your vehicle and your family.

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