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What to Look for in a Policy

Changing auto insurance can sound like a frightening process, but it's actually quite simple. Drivers consider changing insurers for several different reasons: moving, the quest for better rates, the desire for better customer service or even just a personal whim could cause a driver to think about finding a new policy. But while the process is simple, there are steps consumers must follow before canceling their policies:

  • Don't end until you find a new carrier: You don't want to drive without auto insurance. Ever. Do not drop your policy until you've found a new one.
  • Seek competitive quotes: Use a service such as ours, which will provide you with person-to-person access with some of the most respected insurance companies in your area. By bringing the companies to you, we eliminate the hassle of extra research and haggling. You're introduced to the different companies, and you can ask however many you choose to provide you with competitive quotes that meet your personal needs. Then review the quotes before deciding which option is best for you.
  • Know your state's regulations: Depending on where you live, you will need to get a well-appointed policy that at least meets your state's standards. Experts strongly recommend using your state's laws as a starting point for developing your plan: Get coverage that far exceeds your state's standards.
  • Realize why you're changing policies: Did you have an issue with your previous company? Was customer service an issue, or are you merely concerned about costs? Keep this in mind as you review quotes. If customer service is your priority, judge your prospective carriers in that regard.
  • Understand that several factors can impact your rates: Your driving history, credit rating, type of car, and even ZIP code can impact the amount you will pay each month. Even something as simple as the distance you drive to work could be a factor in your premiums. If money is a concern, be positive to keep your credit rating high. A good credit rating can have an impact on the amount you will pay.
  • Consider your other policies: Are you a homeowner? A prospective insurer might give you a multiple-policy discount by combining your home and auto policies.
  • Timing isn't everything: While a month or so before your existing agreement is up for renewal is a good time to consider changing providers, there is no set time that's required. You can drop your plan one month into your coverage or one day before it concludes. Just be positive you have your new plan ready before switching. Never consider driving without adequate coverage.
  • Select your new plan, then cancel: After you've reviewed competitive quotes, considered your state requirements and your personal comfort with the level of coverage, and chosen the best company for you, it's time to drop your old policy. Call your old insurer and inform them that you wish to drop your plan. You might need to send a written cancellation notice via fax, or a form could be sent to you to sign. Any credits left on your account will be refunded. Make sure to give your old insurer a cancellation date and make sure that date is the same date as the start of your new agreement. Enjoy your new coverage!