Changing Car Insurance Companies

The best time to change car insurance companies is during your current policy's renewal period. Arrange new coverage ahead of time to avoid lapses in coverage and the penalties that follow.

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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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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: Jan 27, 2021

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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...

  • At some point, you may decide that it is necessary to change insurance providers
  • The best way to evaluate insurance companies is to use an online comparison tool
  • If you choose a company and do not like the coverage they provide, you are always able to cancel your policy and go with a different provider

In today’s electronic world, if you need new car insurance, replacement options are as easy to find as turning on your computer and typing the word insurance into your search engine.

The problem that many people face, however, is conflicting information and mixed reviews about insurance companies.

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

There are many reasons that you might choose to leave your current insurance company. The most common reason is that a company’s rates have increased too much.

Other reasons include selling your vehicle, moving to a state where your insurance company isn’t licensed, or your insurance company dropping you.

While finding a car insurance replacement is easy, you do need to research each company you are considering to ensure that they are financially stable, that they have a good reputation among their current and former customers, and whether their rates are in a price range you can afford.

Keep reading to learn a little more about finding a car insurance replacement for your old company.

Where should I look for new car insurance?

As mentioned above, the Internet is going to be an excellent source for you when you are looking for car insurance. Search engine results, however, should not be your only source for car insurance replacement options.

Specifically, you should check your state’s Department of Insurance website as well as the Better Business Bureau for car insurance options. These two sources will help you to determine which insurance companies have had a lot of complaints or claim issues.

In addition, you should talk to your friends, family, and neighbors to see who they are using and whether they are happy with their insurance company. If you have a job, as your co-workers, they could provide you with some excellent sources.

The easiest way to find car insurance replacement options is to use an online quote tool that compares the rates of companies side by side.

The average car insurance premium is based on a wide variety of drivers, locations, car types and other factors.

Quotes are more specific as they are based on your personal information.

Once you have received several car insurance quotes, you should check online forums, chat rooms, and insurance review sites to see what people say about the insurance companies that you are considering.

Pay close attention to rate increases and claim payments as these are the two things most likely to affect your choices.

Many companies raise their rates annually regardless of your driving record. It is important that you choose a company that bases your rates on how you drive, the claims that you have made, and your longevity with a company.

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I found a new company for my car insurance. Now what?

If you are using a free quote tool like the one we offer here, then your next step will be to click on the link for the company that you want to use for your car insurance after you get your quote. You will then be taken directly to their website.

It is important to note that the quote you receive is based on the information that you provided during the quote process.

If you forgot to mention that you have a DUI or that you had an accident that required the insurance company to pay a $50,000 claim, then your rates will be higher than initially quoted.

High-risk drivers pay more, and this will be reflected in your online quotes.

Conversely, if you over estimated on an accident claim, maybe the insurance company paid a $5,000 claim instead of a $15,000 claim, then your rates could actually be lower.

Once you arrive on the insurance company’s website, you are going to have to fill out some more information.

The information you provided on the quote tool will transfer over to their form, which means that you won’t have to fill out that specific information again; however, the insurance company is going to need your social security number, driver’s license number, and so on.

Once you have provided them with more details, they will confirm your quote so that you can make a purchase.

In most cases, you will be able to start your policy and pay for it online.

With electronic signatures, you can get a car insurance policy in force on the same day you choose your policy. Some companies may also send you hard copies to sign and send back, but this won’t delay your car insurance coverage.

What if I don’t like the car insurance I have chosen? Am I stuck with it?

No! You aren’t under any obligation to stay with any insurance company.

You can change at any time for any reason. However, you need to be aware that if you cancel policies on a regular basis, you will find that when you get quotes your rates will increase.

Insurance companies like to know that you will stick with them; the longer you are with the same insurance company the better it looks to other insurance companies.

If you are unhappy with the way an agent has treated you or how a claim was handled, then try to resolve the issue with the insurance company before simply walking away.

With most insurance companies offering six-month contracts, you should consider sticking it out for at least that period of time so that you can benefit from lower rates.

Enter your zip code now and compare car insurance rates online from companies in your area!

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

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