Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health insuran...

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Written by Rachael Brennan
Licensed Agent for 15 Years Rachael Brennan

Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience.

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Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager Chris Harrigan

UPDATED: Jun 21, 2022

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Key takeaways...

  • Consumers always have the ability to switch their car insurance policy
  • You can get a refund or avoid being charged more if you go through the proper channels
  • Always comparison shop for car insurance

Do you remember that first day that you decided to purchase your car insurance policy? The policy, the premium, coverages, and everything else on that day probably seemed to fit perfectly.

Things can change over time, though, including:

  • Experiences that you may have had with your insurance carrier
  • Your coverage needs
  • The cars you drive
  • The rates you’re getting from other carriers

These changes can spark a need to switch your car insurance in the middle of the policy that you currently have. Is this even possible, though? If so, what are your options and what is the best approach to take? Many people worry about choosing just the right time, which can be tricky with auto insurance as many companies auto renew. On one hand, it makes it easy to make sure you’re never uninsured. If you want to cancel, it may not feel so convenient.

For this and many other reasons, you have the choice to cancel your auto insurance policy at any time AND get your money back. You obviously won’t get money back on premiums for past months.

if you want to see what your options are for auto insurance rates, start comparison shopping by entering your ZIP code above!

What Do You Need to Do to Switch Car Insurance?

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