How To Switch Car Insurance

Changing auto insurance companies is a very simple process. But there are a few things you’ll want to keep in mind before doing so. Below we’ll show you how to change your car insurance correctly and hopefully helped you along in your journey to lower rates and better coverage.

Check what’s out there

First question you should find the answer for is, do I currently have the best policy? If the answer is no it’s time to buckle down and do some research. Compare different insurance companies and shop around and get quotes. The absolute easiest way to do this is to speak to a broker and have them shop the insurance companies for you. Having a professional walk you through the process can save you time and ultimately be more effective in the long run.

When you’re looking around at different policy options pay attention to what’s being covered. Just because it’s cheaper doesn’t mean it’s better. A change in the total amount you’re covered for will change the cost of your monthly premium. So when you’re comparing policies make sure you’re comparing an apple to an apple, and not an apple to an orange.

Make sure your benefits carry over

Before you switch policies double check that all your benefits and bundling options will carry over. There are special situations when certain benefits associated with your current policy will not carry over, so you’re going to want to check with an agent before making the move.

You also might want to call into your old insurance company before cancelling. Questions you’ll want to ask are, if there’s a cancellation fee, and I would even go a step further and ask for a policy review. In the policy review they’ll take a look at your current policy and see if you’re missing any potential discounts.

If you’ve had traffic violations or marks on your record that have fallen off, this is a great time for you to have those adjustments made. Now that you know your current policy is the best it can be, you can intelligently compare the new companies policy with your current one.

Conclusion;

Once you know what’s out there in terms of policies and companies, you can make an informed decision on what’s the best coverage for your lifestyle. If you feel as if you still need help and want to talk to a nice person about your car insurance, give us a call. We’d love to hear from you 😉