A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

Full Bio →

Written by

Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products, including home, life, auto, and commercial, and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, mainly in the insuranc...

Full Bio →

Reviewed by Leslie Kasperowicz
Farmers Insurance CSR 4 Years

UPDATED: Oct 19, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.

Here's what you need to know...

  • Switching car insurance companies is a fairly easy process
  • The key is to shop around and compare to find the best deals on coverage for your situation
  • Ask plenty of questions to make sure you understand the fine print before switching
  • Keep your old policy in force until you have a new policy to avoid a gap in coverage

It pays to shop around for your auto insurance — especially if you are not happy with your current auto insurance. Many people purchase their policy, allow it auto renew every six months to a year, and never give it another thought.

However, you should check for lower rates at least every six months to see if other providers can provide you with more competitive rates or additional discounts.

Start right now by entering your zip code into our FREE comparison tool above!

Reasons to Consider Changing Car Insurance

You may want to consider changing your car insurance for some important reasons. These reasons can include the cost, as well as other things that should be considered when choosing your permanent car insurance. Some of the most common reasons people choose to change their car insurance are listed below.

  • Premiums are too highIf you find your current policy’s premiums are too high for your current budget, you should shop around and see if there is a policy that is more economical for your personal budget.
  • The coverages do not meet your needsIf you find that your policy does not meet your needs, or you have concerns about whether you have the minimum coverage, you should look into changing your policy.
  • You want to add coverage not included available at current provider – If your current policy does not offer the coverage you need, look into whether they can add that coverage. If your current insurance company does not offer it, consider switching providers.
  • You found a better policy – You won’t know if there is a better deal until you shop around. Looking at the different companies’ policy offerings will give you a better idea of what is available.
  • Your premiums go up after an accident or traffic violationIf your premiums have increased due to a recent accident or traffic violation, it will pay to shop around. Different companies will often offer different discounts.

Enter your ZIP code below to compare car insurance company rates.

 Secured with SHA-256 Encryption

How to Change Policies

Full Comparison

Make sure when you are shopping around you are taking all factors into consideration — including coverage included, deductible, and down payment. Most importantly make sure the comparison to apples to apples.

Do Not Cancel Before Starting New Policy

When changing policies, you should always make sure you have a new policy in hand before dropping the old one. If you lose your old policy before you know your new policy has been issued, you will be uncovered until your new policy starts.

Also, if you have an accident during the gap period, you could be out of money from your pocket for any mishaps. Do not risk the financial strain that could come from driving without the right coverage.

Over the Phone or at Their Office

Once you decide which company and policy you want to purchase, you can contact the company you are interested in and ask for a new policy.

They will ask for your basic information about your car, including your vehicle registration number, make, model, and year of your car, and your personal information such as driver’s license, name, and social security number.

Once you give this information to the agent, they will send you the forms via a link online or in an email to complete and return. Then your new policy will be issued.

Online Via Their Website

Also, most companies offer options to start your policy online. Our free comparison tool will provide you with initials quotes and direct you to the provider of your choice’s website to start your new policy. The information needed would be the same if you contacted the provider over the phone.

Some Things You May Not Know

There are some important details that you should know before purchasing a policy. Some of the important things insurance companies know that you may not include:

  • Your vehicle’s ISO rating (for determining premium amounts)
  • Your driving history and traffic violations
  • If you are at risk for non-renewal

These are just some of the bits of information a car insurance company knows that you may or may not know.

Obtaining your driving record is one step you can take to ensuring that you have access to the same information that car insurance companies do.

When you are shopping for car insurance, you need to have an idea of how they will make a judgment on how much your premium will be, and how they will rate you as a driver.

Tips for Finding the Best Insurance Company

Below are some helpful tips for finding the best car insurance policy for your needs. Feel free to shop around via our website and shop and compare policies. Ask questions of the online agents to get your questions answered before buying.

  • Find out the state minimums in your state so that you will be sure to have the minimum required coverage.
  • Check out the additional policy add-ons that you can add to your policy to see which ones are most beneficial to your situation.
  • Check to see if the company offers any discount for your status or demographic category.
  • Ask an online agent to find you the best rate for your age group and driving record.
  • Look at the basic clauses of a policy and compare with others for the best deal.

Enter your ZIP code below to compare car insurance company rates.

 Secured with SHA-256 Encryption

Shop and Compare to Find the Best Deal

The key to finding the best deal is to shop and compare. Lay out the details of the policies and companies where you can see them. Then look at the details of what each company offers. Never switch plans until you have been notified that you have a new policy issued.

You do not want to risk a gap in coverage. Temporary insurance can sometimes fit the need when you are between policies.

Watch your driving record and continue to follow all traffic rules and speed limits to get the best deals. You can be rewarded for a good driving record through lowered premiums and special discounts.

Make sure you are receiving all the discounts you are eligible for by comparison shopping with our FREE online tool below. Just enter your zip code to get started!