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.

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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...

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Reviewed by Leslie Kasperowicz
Farmers Insurance CSR 4 Years

UPDATED: Oct 19, 2021

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Important facts to know...

  • Transferring your insurance is not a difficult process
  • You need to contact your insurer when you plan to transfer your insurance to see what various cars will cost in premiums
  • Remember that higher deductibles could mean lower premiums

People are often curious how to go about transferring insurance from one car to another. There are many reasons why someone might need to transfer their auto insurance.

Continue reading this article to find out how to transfer your auto insurance, and then enter your zip code above to find car insurance rates that work with your budget today!

How to Change Cars on Your Insurance Policy

It will relieve you to know that it is not a difficult process to transfer insurance to another car. If you have valid and current insurance at the time of your purchase of the new vehicle, all you need to do is to call your insurance company and tell them about the change.

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What information will the insurance company need?

Your insurance company will need some key information about the change when you are adding a vehicle or transferring your insurance to a new vehicle. Here are some of the pieces of essential information they will need to complete the change:

  • Your name and driver’s license number – Your insurance company will need your name and driver’s license to get the process going. Without this information, the insurance company will not know who you are.
  • Your policy number – Your insurance policy number is what identifies your unique insurance policy among all of the others. Your policy number will allow them to keep your current policy in force but transfer it to your new vehicle without having to start all over with a new policy.
  • Your social security card or government-issued ID – Your social security number of government-issued ID may be required to verify your identity. If you are only changing your current policy to reflect the new car, you may not be required to provide this. But if there is any doubt as to your identity, you might be required to fax or email a copy of this to your insurance company.
  • Your address and phone number – Giving your insurer your address and phone number is always required, and it assures you that they have the correct mailing address up to date in the records. This helps to track your information in the event of a claim or if an insurance adjuster must come to your house to access a vehicle.
  • The make and model of your old car – The make and model of your vehicle should be reported. This will remind them of the car that was on the policy before and that you now wish to transfer.
  • The make, model, and VIN of your new car – Of course, you will also have to give them the information and registration number (VIN) of your new car as well so that they can properly register it with your adjusted policy.

The Best Way to Do It

Now that we’ve told you the types of information that your insurer might ask for, you should also consider calling your insurance company while you are still shopping for a car. This avoids you finding out the hard way that you owe more on your premiums than you thought you would.

Also, you can get estimates on some different makes and models at once, so that you can adequately compare them before committing to purchase.

By shopping carefully for both your car and your insurance, you can significantly cut costs on both.

What about comprehensive and collision coverage?

If you are just replacing a car due to an accident, and you did not carry collision or comprehensive insurance, you wouldn’t necessarily need to add it to your new car.

But if you are just upgrading yourself to a newer vehicle, you will want to consider carrying both collision and comprehensive on your newer vehicle. This is because it will cost more to repair or replace than an older car.

By increasing the amount of these coverages on a newer car, you will have more protection in the event of an accident.

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Know Your State Minimums

No matter whether you are just replacing a car or upgrading to a nicer or newer vehicle, you should always carry the state minimum liability insurance. Knowing your state minimums is half the battle but don’t be afraid to ask your insurance representative to look it up for you if you don’t know it.

Basic Types of Coverage

Some of the basic types of coverage that you will want to consider in addition to bodily injury and property damage liabilities, are:

  • Collision – Collision always has a deductible that varies in amounts and is there to cover property damage on your car if the damage exceeds your deductible. Make sure that you get a deductible that you can afford. For example, if you can only afford $500 in car repairs, you need a $500 deductible.
  • Comprehensive – Comprehensive insurance covers anything other than an accident, such as theft, vandalism, floods, or other acts of nature.
  • Uninsured motorist – Uninsured motorist protection pays for damage or injuries you or your passengers sustain as a result of the other driver’s fault. But it is meant to cover cases where the other driver did not have insurance at the time of the accident.
  • Underinsured motorist – Underinsured motorist coverage helps to cover the costs of an accident that was not your fault but where the other driver was not carrying adequate insurance at the time of the accident.
  • Medical payments – Medical payments insurance covers the cost of medical payments for treatment or hospitalization, medical tests and procedures that you may incur in an accident.
  • Personal injury protection – Personal injury protection covers the added cost of expenses incurred due to negligence on your part. It often is used in an insurance settlement where the other driver threatened to take you to court to sue for damages.

Shopping for Car Insurance

Before you buy a car, you should shop around. The same is true for insurance. Sometimes the two things even occur at the same time. It’s always best to check to see what certain models of cars are going to cost you before you buy. Then compare carriers to see who can give you the best deal.

Enter your zip code below to compare multiple car insurance companies at once!


  1. http://www.investopedia.com/financial-edge/0211/10-tips-for-getting-the-lowest-car-insurance.aspx?ad=dirN&qo=serpSearchTopBox&qsrc=1&o=40186
  2. http://www.moneysupermarket.com/c/news/how-to-transfer-insurance-to-your-next-car/0016513/
  3. http://budgeting.thenest.com/transfer-auto-insurance-new-car-3455.html
  4. http://www.iii.org/article/how-can-i-save-money-auto-insurance