How often can I change my car insurance?

You can change your car insurance at any time. Comparing quotes is the best way to make sure that you are getting the cheapest rates.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: May 23, 2020

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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 company and cannot guarantee quotes from any single company.

Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

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Here's what you need to know...

  • When you take time to compare car insurance rates, you will find that many companies offer you different options and different ways to save
  • You never have to accept the first deal that an insurance company offers and you can switch at any time.
  • Using a quote comparison tool–like the one found on this site — is an effective way to get insurance quotes

While purchasing a car or changing car insurance companies, smart consumers are going to analyze their options. When in the market for car insurance, you want to get the best policy to fit your needs.

Most metropolitan areas have many car insurance offers to choose from, so it is important to research the options available to you. Experts say that drivers who compare their car insurance rates once a year save a lot more money over time.

Enter your zip code above to receive car insurance quotes from multiple companies today!

What are car insurance offers?

Car insurance offers are made by insurance companies who want your business. Most of them have different packages already thought out, in anticipation of your car insurance needs.

Many others cater to certain markets such as:

Although auto insurance companies market to consumers, in most cases consumers seek out those equipped to suit their insurance needs.

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What is included in car insurance offers?

Depending on the state in which you live, there are minimum liability requirements for auto insurance.

Anything that is added over the minimum is established between the policyholder and the insurance carrier.

Most states have optional coverage that includes:

These options cover the basics, although there are riders and other inclusions the policyholder may want to incorporate.

In the US, minimum liability coverage is expressed regarding 25/50/25.

This series of numbers represents $25,000 in personal injury in the event one person is injured in an accident. The $50,000 is representative of the total allotment for all injuries in one occurrence. The last $25,000 covers damages to the cars and property involved — not the driver’s vehicle, but others involved.

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How to Find Cheap Car Insurance Offers

Most people want to save as much as possible on car insurance; therefore, shopping around is the best way to find a plan that meets your expectations.

Drivers under 25 have a tough time finding affordable insurance, especially if they have credit blemishes. High-risk drivers with previous accidents, speeding tickets or DUIs also have a tough time finding affordable car insurance.

People in these categories may take advantage of ways to save.

Classes are offered through the DMV for teen drivers and those who just want to reduce their point accumulation while the private sector offers DUI classes. Others find their rates cut by the inclusion of safety features in their cars such as side air bags.

AAA and other club affiliation may save 10 percent. Veterans also save 10 percent on car insurance as well.

Read your existing policy to make sure there aren’t clauses that you don’t want or need. Customization is important. One of the biggest savings comes with combining auto and homeowner’s policies.

Another is by increasing the deductible to lower your monthly payment.

How to Counter Car Insurance Offers

You do not have to accept the first low offer that is made available to you. In business everything is negotiable.

There may be something in the package that you want to swap for something else. Instead of accepting the promotion of the day, why not ask for rental coverage in the event you are forced to put your car in the repair shop for a few days?

Some companies may hesitate to accept your proposal, but if they want your business, they will consider it.

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How to Compare Car Insurance Rates

Online insurance quotes are set up for comparison. The free car insurance quote tool on this site allows you to visit one site and compare four to five carriers at one time.

The biggest complaint most people have are the rates they are charged. When a quote is desired, the only thing the site usually asks for is a zip code.

The zip code tells the system which state you live in and matches car insurance availability with the type of insurance you are looking for. So you can them compare those rates side-by-side!

For people whose circumstances have changed and wanted to change insurers, it is not necessary to wait until the policy renewal date.

Policies may be canceled at any time. There may be a small fee if canceled too soon after the initiation of the policy, but most of the unused portion of premiums will be returned to the policyholder.

Enter your zip code below to receive FREE car insurance quotes from multiple companies today!

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

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