Can you swap your car insurance to another car?

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Brad Larsen
Licensed Insurance Agent for 6 Years

UPDATED: Mar 13, 2020

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Things to know...
  • Changing your insured vehicle on your existing policy can usually be accomplished through a quick phone call
  • Insuring a different vehicle can result in a higher or lower rate
  • Because vehicle-related factors can change your premium, it is wise to shop for new rates when making this significant type of policy change

If you have decided to purchase a new vehicle, you may eagerly be looking forward to driving around town in a shiny, modern vehicle soon.

However, before you can legally drive your new vehicle, you need to ensure that it is properly insured according to your state’s laws as well as your lender’s requirements. Some drivers even opt for additional coverage beyond the minimum requirements to enjoy greater benefits.

A common question that many drivers have when buying a new vehicle is if they can swap vehicles under their current policy or if they need to get a new auto insurance policy.

While the process of setting up coverage for your new car can seem intimidating, rest assured that it is a fast and easy process.

See how much money you could save on car insurance by comparing quotes. Enter your zip code above to get started.

How to Change Insured Vehicles With Your Current Insurance Provider


The easiest way to obtain the necessary car insurance for your new vehicle is to simply contact your current auto insurance provider.

Your provider will collect details about your new vehicle, such as:

  • the VIN
  • special safety and security features in it
  • its mileage
  • other information

The provider will remove existing coverage on your old vehicle and make the update while you are on the phone.

Most providers can quickly email or fax you a copy of your new proof of insurance cards so that can immediately start driving around town, or you may be able to download them from the provider’s website.

Keep in mind, however, that changing the vehicle that is insured by your policy can either increase or decrease your premium.

When you get a quote for your new premium amount, you will need to update your personal budget so that you are prepared to make your premium payment each month.

Understanding Why Your Insurance Rates May Change

One of the primary factors that insurance companies review when determining your rate is your vehicle.

Everything from the repair and replacement cost of the vehicle to its safety ratings, the power of the engine, safety and security features, and even auto accident and theft statistics in your area for that specific make and model are reviewed carefully.

Because many people upgrade to a more expensive or powerful vehicle rather than downsizing to a cheaper vehicle, it is common to see insurance rates increase at least slightly when you change the insured vehicle with your current provider.

Drivers can save $859/yr* by comparing car insurance

*based on a survey of 1,000 car insurance customers

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Determining Whether You Need to Upgrade Your Coverage

Your coverage needs may need to be updated when you buy a new car as well. For example, if you drove around in an old car with a low value that was owned free and clear, you may have only had a liability insurance policy in place.

However, if you recently purchased a brand new car, you may need to upgrade to comprehensive insurance. In addition, you may want to add the following:

In the event your vehicle damages or liability expenses exceed your coverage limits, you must pay the remaining expenses on your own. Because of this, it is wise to purchase a robust policy that meets all of your needs even though it may be more expensive to do so.

Qualifying for Vehicle-Related Discounts

As you can see, there are several reasons why your updated insurance policy may result in a higher premium.

You understandably want to minimize your insurance-related expenses as much as possible, and your new vehicle may help you to qualify for some savings opportunities.

For example, your new vehicle may have upgraded safety features or theft prevention features, and these may help you to qualify for a great discount on your premium.

With these discounts available to you through some car insurance providers, your premium may not increase quite as much as you may be anticipating.

The Opportunity to Shop for Better Coverage


Because the vehicle that you are insuring plays such a significant role in the total cost of your coverage, it is wise to shop around for new insurance rates at this time.

Shopping for new rates sounds time-consuming, but it may only take a few minutes to request a quote from a new provider online or by calling the sales department directly.

When requesting new quotes from various insurance companies, keep your requests for coverage types, limits, and the deductible amount the same to help you make easier rate comparisons.

Improved Customer Service

Many drivers will benefit from obtaining at least three or more different auto insurance quotes when they buy a new vehicle, and changing providers can yield great benefits to you in some cases.

Some drivers are unhappy with the level of service they have received from their current car insurance provider or with the claims process from a previous experience.

You can easily read consumer reviews about leading insurance companies today to find the top companies that have an amazing reputation for providing stellar customer service to their insured drivers.

Finding Lower Insurance Rates

You may also be able to find one or more reputable insurance providers that offer substantially lower rates than what your current provider is quoting to you.

Nobody wants to pay more than necessary on their regular auto coverage premium expense, and shopping around can reveal exceptional savings opportunities for you to take advantage of.

There may also be other ways to save money on your new car coverage regardless of which leading provider you choose to buy insurance from. These include:

  • Opting for a higher insurance deductible
  • Insuring multiple cars or drivers under one policy
  • Bundling multiple types of insurance together with the same insurer
  • Improving your credit rating
  • Improving your driving record

Simply swapping out vehicles with your current car insurance provider is not possible, and updating vehicle information with new coverage will result in a premium adjustment.

Because the specific vehicle that you are insuring plays such a substantial role in your rates, now is an ideal time to look for a better deal on your coverage.

In the process, you may also be able to find a more reputable and established insurance provider to buy insurance from. Compare quotes today by entering your zip code into our free rate tool below.

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