Learning How to Upgrade Your Auto Insurance

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. Additionally, you can often go online and change your insurance coverage.

Free Car Insurance Comparison

secured lock Secured with SHA-256 Encryption

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.

Full Bio →

Written by Laura Berry
Former Insurance Agent Laura Berry

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...

Full Bio →

Reviewed by Joel Ohman
Founder & CFP® Joel Ohman

UPDATED: Jun 2, 2022

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

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.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

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 the 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 to asking for upgraded insurance, you can often go online and change your 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 require 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 a serious accident, especially one that involves the need for 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 that 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.

secured lock Secured with SHA-256 Encryption

Do I need to tell my insurance company about my custom modifications?

Yes, you should inform your car insurance company promptly about any modifications you make to your vehicle. Car insurers typically have allowances for the cost of covering damages or loss based on standard repair costs and factory parts. If you have an accident and your high-end custom rims and wheels are damaged, your insurance coverage may not be enough to replace or repair your beauties. In fact, your car insurance company may void your coverage if you’ve made changes to your car outside the factory standards and didn’t tell them in advance about the upgrades.

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

The cost of upgrading your auto 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 current insurance policy.

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, then 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 quotes from multiple insurance companies to ensure you get the lowest insurance rate.

Free Car Insurance Comparison

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

secured lock Secured with SHA-256 Encryption

The Bottom Line Of Upgrading Your Insurance

Everyone has different circumstances and insurance policies. Your coworker may change their coverage options every three months, but they may only need to review them once a year. There are times when it’s usually a good idea to update or change your auto insurance policy.

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.

secured lock Secured with SHA-256 Encryption