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UPDATED: Mar 13, 2020
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Drivers have many car insurance companies to choose from and switching car insurance companies is a lot easier than many people think however there are certain things you should always do to make the process smooth as driving with no insurance (even for a limited time) can have serious consequences.
How to switch car insurance companies?
The main reasons drivers choose to switch auto insurance companies are cost and customer service. Auto insurance is a very competitive industry where some drivers can possibly save up to $500 or more by switching insurance companies. Customer service reasons include choosing another provider who simply has better account management tools, customer service hours or reputation in the marketplace. While saving money on car insurance is the primary reason for switching car insurance companies the role of customer service is also a significant factor.
Switching car insurance companies is fairly simple as you really only need to find another provider with similar or better coverage and compare premiums. Since there are over 100 licensed car insurance companies in most states finding another provider will be easy but car insurance comparison should always start with education. If you are considering switching auto insurers then its also a great time to read up on coverage and make sure you have the full coverage you need.
Most drivers use the internet to compare car insurance rates and within a few clicks you can have multiple quotes from many reliable providers. However before purchasing a new policy you really need to understand:
a) How to cancel your existing policy
2 questions play a role here. When can you can cancel your existing policy and how much will it cost? Canceling existing car insurance coverage must be done with the right timing as you purchase insurance in advance. Canceling a policy mid-term may expose you to liability for the remaining premiums depending on your provider. While some insurers allow you to cancel coverage mid-term others may impose an early cancellation fee. Always check with your existing insurer about how to cancel a policy.
b) Avoid any LAPSE in coverage
Driving with no insurance is never a good thing so it’s critical you only cancel your existing coverage after a new policy is in-force. Remember that buying a new policy does not automatically mean you have insurance from the moment they receive payment. You need to double check your policy for the effective date of coverage and only cancel any existing auto insurance after the new policy is in-force.
Switching car insurance companies can certainly save money on auto insurance but its aso important to do it the right way. Always compare at least a few providers when looking for a new car insurance company and try to research all your policy options.
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