Most people, once they have an auto insurance company, simply just let their current policy renew and renew without checking to see if maybe they can get a better deal somewhere else. This article will show you just how easy the process is.
Shopping for a new auto insurance company
The easiest and quickest and as a result the most painless way to shop for auto insurance is to go on the internet. Many companies can give you quotes 24/7 on their websites. You can also get contact information for a particular auto insurance company on their site and call them up on the telephone. When considering switching companies, the first thing to do is to get comparison rate quotes from several companies.
The company will find out about any accidents, claims or traffic tickets anyway, so don’t try to hide anything. Also, when you get comparison rate quotes, make sure you compare the coverage you have with your current auto insurance company to what is available with any new company so that you can make a comparison that makes sense.
Once you have found a new auto insurance company and purchased your new policy you must cancel your old policy. If you don’t cancel your old policy the old auto insurance company could assume you wished to continue your insurance with them. Canceling your old policy is easy.
Usually, all you need to do is to inform your old auto insurance company in writing, telling them when you would like the policy cancelled. They will then send you a form to sign and return, which in effect will cancel your policy.
Do not cancel your policy from your old auto insurance company until the insurance is actually in effect with the new insurer. This way you avoid any lapse in coverage. Most states require all drivers to carry a minimum amount of Insurance and your old auto insurance company will probably require you to show proof of insurance before they will cancel an active policy.
The best time to switch to a new auto insurance company is when the current policy is about to expire. When you receive your policy renewal notice from your current auto insurance company is the best time to switch. It is during this period when you can switch insurers without incurring any fees or penalties.
Also, because it is so close to the end of the policy term you would avoid trying to figure out the amount of unused premium that you are due from your old auto insurance company. You also avoid arguing with your insurance agent about exactly when you cancelled and how much the auto insurance company owes you.
If after taking into account the fee or penalty you may have to pay you may find that you still would get appreciable savings. So, while it is best you switch within that 30 day renewal period, you can actually cancel at any time.
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