Jessica Sautter is a Content Writer for CarInsuranceCompanies.com with a Bachelor’s Degree from Eastern Michigan University in Elementary Education with a Major in Reading and a Minor in Mathematics.

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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

UPDATED: Oct 15, 2020

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Key takeaways...

  • Switching car insurance companies is not as difficult than many consumers think
  • you need to find a car insurance company who offers policy coverage similar or better than your current company and secure a policy in force
  • Weigh the pros and cons of intangible factors such as customer service using this checklist

Switching car insurance companies is not as difficult than many consumers think.

Although switching is not beneficial for everyone, there are still many people who can benefit from changing auto insurance providers.

Find affordable car insurance now!  Enter your zip code above to get started for FREE!

Table of Contents

Key Steps to Switching Auto Insurance Companies

First, you need to find a car insurance company who offers policy coverage similar or better than your current company and secure a policy in force.

Making the switch is a simple process involving two main steps:

  • Choosing a new car insurance company and securing a new policy
  • Informing your current provider that you no longer wish to insure them

The actual process of switching is painless but sometimes fees or a lapse in coverage may exist so always consider switching car insurance companies only after you have new coverage in place.

You never want to just accept the first quote so learn about car insurance discounts and review your existing policy for any items you may no longer (such as GAP insurance) need then start a car insurance comparison search.

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Tips

In fact, it’s a good idea to even contact your current provider and double check the premiums you have – once you know more about the discounts available its quite possible there may be no reason to switch, just adjust your current policy.

The main reason why consumers decide to switch car insurance companies is premiums however this should only be one factor for considering a switch.

Weigh the pros and cons of intangible factors, such as customer service using this checklist.

If you choose a new car insurance company make sure to have policy coverage in-force and then contact your existing company, asking about the procedure for canceling your current policy.

Lapse in Coverage

It is extremely important you only cancel any existing coverage after your new policy is in force.

The in-force date is not always the same as the purchase date, so double check when your new coverage will begin only after that date request a cancellation of your current policy.

Not having car insurance can pose an extreme financial risk and even carry heavy fines.

When to Switch

This is a good question and really no solid answer. The key is to learn about car insurance so ask yourself a question:

Do you know more about car insurance today than when you signed up for a policy many years ago?

If the answer is yes then you can probably benefit from taking a few moments to compare car insurance companies today.

If you said no, then you fall into the group of consumers who need to learn more about car insurance to find the best car insurance rates.

If you’re ready to compare car insurance quotes for free, enter your zip code below!

References:

  1. https://www.esurance.com/info/car/myth-a-lapse-in-coverage-wont-affect-your-rate
  2. https://www.esurance.com/info/car/5-steps-to-switching-your-car-insurance
  3. https://www.statefarm.com/insurance/auto