Learning How to Upgrade Your Auto Insurance

To upgrade car insurance, contact your car insurance company and ask for a change. Before you upgrade car insurance, use our comparison tool to find the best rates and coverage policies.

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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 26, 2021

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Here's what you need to know...

  • If you stick with your present insurer, you just need to give them a call and tell them what you want
  • There are several reasons you may wish to upgrade your insurance policy
  • Depending on what kind of upgrade you purchase, your rates will increase a little or a lot
  • When you’re considering making a change to your policy, make sure you compare rates of other companies so you ensure you’re getting the best rate for the coverage you need

Upgrading your car insurance is easy! All you have to do is call your current car insurance company and ask for an upgrade in your car insurance.

In addition, you can often go online and change your insurance coverage without ever having to speak to an agent, depending on what car insurance company you use.

Enter your ZIP code and start the process of getting your FREE online car insurance quotes!

In the past, upgrading your car insurance was a pain. You would have to call your agent and if he or she wasn’t in, you would have to wait for them to call you back. In addition, you would sometimes have to wait to learn how much it would cost you to get an upgrade.

Today, however, you can learn how much your upgrade costs instantly.

You should consider getting a free car insurance quote from the quote tool provided above, in addition to checking to see how much your current insurance company will charge. This will ensure that you get the lowest price possible on your car insurance upgrade.

Why would I need an upgrade for my car insurance?

There are a few reasons why you might want to upgrade your car insurance:

  • Your situation has changed and you feel that you need comprehensive and/or collision insurance on a vehicle that you didn’t have higher coverage on before.
  • You want to get more liability coverage in case you have an accident. Many people start out with the minimum liability insurance in their state only to discover that this rarely covers the cost of a moderate to serious accident, especially one that involves the need of medical services.
  • You have purchased a new vehicle with financing and you are going to be required to carry a full line of coverage on your vehicle. Most insurance companies will allow you to transfer an existing policy to a new car and then upgrade your policy as needed.
  • You decide to let your teens drive your vehicles. You decide to upgrade because you know that a teen driver has a higher risk of causing an accident.

In the U.S., more accidents are caused by teens than any other age group. In addition, teen drivers are involved in accidents which lead to the death of one or more people involved in the accident than any other age group.

Free Car Insurance Comparison

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

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Free Car Insurance Comparison

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

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What will the price difference be when I upgrade my car insurance?

The cost of upgrading your car insurance will depend on what car insurance company you use. You can expect your car insurance to increase substantially if you are adding comprehensive and/or collision insurance to your policy.

If you are only adding something like roadside assistance, the increase will literally be a few dollars.

The type of vehicle that you have will greatly impact the increase you see in your insurance if you are adding comprehensive and collision insurance to a policy for the first time.

The more money the insurance company has to fork over for a car that is stolen, damaged or destroyed, the more your insurance is going to cost.

If cost is a serious consideration for you, and for most people it is, you should consider increasing your deductible to lower your overall monthly premiums. Just make sure the deductible doesn’t exceed what you can afford to pay out of pocket.

Can I downgrade my insurance too?

Absolutely! If you have comprehensive and collision coverage or you carry high amounts of liability or medical insurance and you need to reduce your insurance, it is just as easy as increasing your insurance.

However, in both instances you do need to be aware that the insurance company will run your driving record again before changing your policy.

This means that if you have had any accidents or points on your driver’s license during the course of your current policy than that will have an impact on your insurance rates.

Much like when upgrading, if you are certain you want to downgrade your insurance, you should take the time to get car insurance quote from multiple companies to ensure you get the lowest price.

Our quote tool is fast and easy to use and allows you to compare the cost of your insurance side by side.

Enter your ZIP code now and see how much you can save with FREE online car insurance quotes!

Free Car Insurance Comparison

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

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Average Monthly Car Insurance Rates by State