Once I buy the policy, will I ever need to change my insurance coverage?

You can change your insurance coverage at any time, and it may be necessary to do so for multiple reasons. You may wish to add another driver to your policy or to add or remove coverages. Learn how to manage your policy and get the coverage you need.

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Tonya Sisler has a Bachelor’s Degree from the University of South Carolina in Journalism and has worked for 15+ years in management. She has also completed a proofreading certification and is currently a professional writer.

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Brad Larson has been in the insurance industry for more than a dozen years. He started out as a claims adjuster for a national carrier. He has since switched to the agency side of the business. Brad is licensed in all P&C lines.

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Reviewed by Brad Larsen
Licensed Auto Insurance Agent Brad Larsen

UPDATED: Mar 25, 2022

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Things to Know

  • It is possible to make changes to your car insurance policy with the help of your insurance agent
  • Some changes to your coverage may incur additional fees that you will see on your next bill
  • While it is usually easy to adjust your coverage, some changes can be more challenging

If you’ve recently purchased a policy, you may have questions about prospective changes. One of the most common questions is, “Can I change my car insurance coverage at any time?” Fortunately, most adjustments to your car insurance coverage are easy to make. By contacting your insurance agent, you can learn more about possible changes and how to make them.

Typically, any adjustment to your policy will be reflected on your next bill. Some changes involve additional fees, while others can lead to lower rates. You should be aware that many changes won’t go into effect until you get billed for them.

When making changes in the middle of your policy year, you will likely still be stuck with the same insurance company. If you are not happy with the options presented, then it would be wise to shop around when it comes time for renewal. By comparing quotes from the leading car insurance companies, you can get the right coverage at an affordable price.

How do I change my insurance plan?

There are many reasons you might need to change your car insurance coverage. If you want to make changes in the middle of your covered year, you will need to speak with your insurance agent. Your agent can help you understand what aspects of your policy are mutable and what steps are required to make these changes.

The most common alterations to a car insurance policy involve the drivers or cars covered. Maybe you traded in your old car for a brand new one. Or perhaps you need to add or remove a driver from your policy. These types of adjustments are usually pretty straightforward.

In other cases, you might have more nuanced changes that you need to make. Whether you are looking to increase or decrease the amount of coverage you have, you will definitely need to check with your specific car insurance company to find out how to alter your policy.

If you want to make changes in the middle of your covered year, you will need to speak with your insurance agent.

Most top insurance companies offer promotional rates for bundling your car insurance with other coverage. If you purchase a new RV, boat, or snowmobile, you might want to bundle this with your car insurance. Similarly, if your home or renters insurance policy has expired, you may want to take advantage of bundling offers.

There are also circumstances where the car insurance company can change your rates. If you are involved in a collision, you will likely see your rates increase. Some companies guarantee that your rates will not increase immediately following an accident, but not every company is so forgiving. You should check your policy documents to determine how the company handles post-collision rate changes.

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Can you change which drivers are on a car insurance policy?

You might need to make changes to your car insurance coverage when adding or removing a driver. Most car insurance policies allow you to insure more than one driver.

If you recently got married, you probably want to add your spouse to your car insurance policy. Congratulations, this will be an easy process. You just need to contact your insurance company, and you can speak with your agent to add your spouse to your policy.

Depending on your spouse’s driving history, you may see a change in your individual rates. Some car insurance companies may offer discounts for insuring more than one person. You should check your policy documents to learn more about how your rates might change.

You should check your policy documents to learn more about how your rates might change.

If you have a child or dependent who recently passed their driving test, you will want to add them to your policy. Car insurance for younger drivers is inevitably more expensive than experienced drivers’ rates. This pricing makes sense, as newer drivers have not yet proven that they know how to operate a vehicle safely.

Young drivers will see their rates improve with time as long as they consistently drive safely. In the meantime, you can explore discount options for teen drivers. Most top car insurance companies offer good student discounts. A good student discount incentivizes young drivers to perform well in school to save on their car insurance rates.

If you need to remove a driver from your car insurance policy, the process is more involved. Sometimes when removing a driver, you will need to request additional forms from the insurance company. Typically, you will need to prove to the insurance company that the removed driver has secured their own form of insurance. This step may not be required in every circumstance, so it is best to communicate your situation with your insurance agent.

How do you insure a different car?

Another common change to a car insurance policy is adding or removing a vehicle. It is rare that trading in your old vehicle will perfectly coincide with your renewal period. Fortunately, changing the insured vehicle is simple.

You will likely see a change in rates after getting a new vehicle. If you upgrade an older car to a new model with smart safety technology, you will probably see your rates decrease. Newer vehicles come standard with advanced safety features that greatly minimize your risk of collision. Anything that reduces the chance of filing a claim will likely mean lower monthly rates.

Conversely, you might see your rates increase if you purchase a very expensive vehicle. Inexpensive or specialty cars cost more to repair than something off the lot. Because of the higher repair costs, the insurance company takes a greater financial risk on the vehicle.

What if you want to get cheaper car insurance rates?

When you get a quote from an insurance company, it will not always reflect the rates that you will actually pay. You may accidentally leave out important information from your application that impacts your final rates. The good news is, you can switch insurance at any time or make changes to your policy whenever you want. However, there are some things you should know first.

After submitting a car insurance application, it gets forwarded to an underwriter who verifies your information. The underwriter will then assess your risk and provide you with your final rates. When your policy documents arrive, you may see your rates differ from what you received as a quote. When these amounts are significantly different, it is called a misquote.

There is typically little recourse for lowering your rates after getting a misquote, especially if it is due to leaving important information off your application. You will still be responsible for paying the rates set out in your policy documents.

When your policy documents arrive, you may see your rates differ from what you received as a quote. When these amounts are significantly different, it is called a misquote.

If your official rates are too high for you to pay, you can change your insurance coverage to get a lower rate. The way to do this is by reducing the amount of coverage you are purchasing. This workaround might not always be a good idea. It may not be possible if you already have minimum liability coverage. Instead of sacrificing coverage for lower rates, you should explore your options and see if there are discounts you can apply to your situation.

The best way to avoid getting rates you cannot pay is by getting quotes from multiple car insurance companies. You should be completely honest on your application to get accurate quotes. Comparing dozens of companies side-by-side can help you get the cheapest car insurance rates without sacrificing coverage.

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Can I change my insurance plan mid-year?

Life changes rarely happen at convenient times. When you need to make a significant change to your car insurance policy, chances are they might need to go into effect before it’s time to renew. Luckily, most car insurance companies make it easy to make minor changes to your coverage mid-year, or whenever you need to.

By contacting your car insurance agent, you can learn more about how to change different aspects of your coverage. After reading this article, you should have a general idea of common changes to car insurance coverage and how you can make them. To get the most affordable rates on car insurance, you should always compare multiple quotes side-by-side.

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