How Easy Is It to Switch Auto Insurance?

Typically, one does not have to wait until the policy renewal time to modify their auto insurance policy. Instead, you can call your insurer’s customer care line or chat with your local agent to modify an existing policy.

While many insurers don’t charge you anything to terminate an existing coverage, some do. So, if lowering your coverage limits or raising your deductible on your current policy will help you save money, this may be all you need to do.

When Is a Good Time to Change My Auto Insurance?

The following are some justifications for switching your auto insurance, whether it’s to tweak your present coverage or look around for a new provider:

You’re getting married:

If you and your partner each possess a car; it can be less expensive to keep single insurance for both vehicles rather than two separate ones.

You are moving:

Your address is a significant element in setting your insurance rates, whether your new house is across town or in the country.

Your teen now has a driving license:

It would likely be less expensive to include your teen in your current auto insurance coverage than to insure them separately.

You’re retiring:

Senior drivers’ auto insurance premiums are among the lowest. Additionally, if you no longer commute every day to work, you might be able to save money with low-mileage insurance coverage.

You want a reduction in your premium:

You might find financial savings by changing insurance providers. The Insurance Information Institute advises comparing rates from at least three insurance providers.

You don’t like your current insurance company:

Cost isn’t the main reason people switch vehicle insurance. Customer service and claims processing are two more elements to consider when ranking the best insurance firms.

How Can I Change Auto Insurance Providers?

By following a few straightforward procedures, switching insurance companies can be made easier:

Assemble the necessary papers:

This includes the specifics of your existing policy, your license, and the vehicle identification number (VIN) of each vehicle you wish to insure.

Compare prices:

While cost is a significant consideration, you also need to know the specifics of your policy’s coverage so you can compare policies similarly. For example, skipping insurance coverages may lower your premiums and reduce your protection.

Choose and sign up for a new policy:

It’s time to enroll in your new policy once you’ve found a plan that meets your needs and you’re satisfied with the price. However, make sure the new policy is in place before canceling the old one.

Inform your lender:

You must inform the lender if your current vehicle is financed or leased.

Cancel your previous insurance coverage:

You can terminate your current policy once you’ve made sure it’s in effect. Depending on when you cancel, you might be eligible for a refund for the coverage you didn’t use.


In conclusion, sticking with one auto insurance provider may not be the best choice. In addition, the best auto insurance you qualify for will change as premiums change yearly. You should be able to transfer auto insurance companies and get cheaper rates if you keep a clean driving record, notify your insurer in time, and don’t take any insurance breaks. If you are looking to get auto insurance, contact us today. Our team at Isu Wissink will help you explore your options and find the best coverage for your needs.