Shopping for insurance isn’t always at the top of your to-do list, but timing can make a big difference. Whether it’s homeowners, auto, or another type of coverage, knowing when to get an insurance quote can save you money and help you secure the right protection.
1. Before Your Policy Renews
One of the best times to get quotes is 30–45 days before your current policy expires. This gives you time to compare options, lock in a new policy, and avoid a lapse in coverage.
2. After a Premium Increase
If your insurance company raises your rates at renewal, that’s a clear sign it’s time to shop around. Another provider may offer the same coverage at a lower price.
3. When You’ve Made Home Improvements
Upgrades like a new roof, plumbing, or a security system can reduce your risk — and potentially lower your premiums. Getting a fresh quote ensures you’re rewarded for those improvements.
4. After Major Life Changes
Events such as marriage, retirement, or relocating often affect your insurance profile. Getting a new quote ensures your coverage reflects your current circumstances.
5. Every 1–2 Years
Even if nothing has changed, it’s smart to compare quotes at least every year or two. Rates vary widely across insurers, and new discounts or bundles may be available.
The Bottom Line
The best time to get an insurance quote is when your life or home situation changes, your policy is about to renew, or you notice a rate increase. Proactively checking quotes helps you save money and keeps your coverage up to date.