How to Find the Right Car Insurance Company and Coverage

Sample car insurance by comparing quotes and coverage from multiple companies. You can always cancel your policy early. Arrange new coverage ahead of time to avoid any lapses.

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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...

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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...

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Reviewed byJoel Ohman
Founder, CFP®https://res.cloudinary.com/quotellc/image/upload/insurance-site-images/ciccom-live/41b5e36b-joel-ohman.jpg

UPDATED: May 22, 2020

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

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We partner with top insurance providers. This doesn't influence our content. Our opinions are our own.

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...

  • Everyone wants to make sure they got proper coverage at an affordable rate
  • You can start with a six-month policy and increase/cancel your auto insurance plan depending on your experience
  • If you plan on canceling your policy, the steps to doing so are fairly simple
  • Online quote tools are a great way to sample car insurance companies, types of auto coverages, and insurance costs before deciding

Finding the right car insurance provider can be tricky. You need to find a car insurance company that is responsive to your needs while providing you the right coverage.

Car insurance companies range from the well known to the small agent on the corner. Both types of providers have their merits just as both can have their disadvantages as well.

You can’t buy an insurance policy and then return it; although you can cancel it prematurely. However, since you always need to have car insurance coverage, it is best not to bounce around from insurance provider to insurance provider.

Enter your zip code to get free online car insurance quotes now!

Sample Car Insurance Companies by Starting with a Six Month Term

When you first introduce yourself to a new car insurance company, you may wonder if you are making the right decision. Car insurance is a commitment of sorts, so you want the relationship to work out.

You want to feel that you got proper coverage at an affordable rate.

Furthermore, you want to know that your agent will be there for you to answer your questions and to help you process your claims.

Most car insurance policies can be issued for one year, but they can also be issued for six-month terms. If you are first starting out with an insurance company, you can request a six-month policy.

When requesting a six-month policy, be sure to ask about any changes in your rate that may take place from a six-month car insurance policy to an annual one.

If they guarantee your rate won’t change, you can start with the smaller term.

However, if your premium will be lower with a one-year policy, then be sure to ask about the cancellation terms and conditions.

If your insurance gets properly prorated and there are no penalty fees, you can always cancel whenever you want.

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Can’t Sample Car Insurance, Can Cancel Policy

Before your car insurance expires you will receive a renewal invoice, usually by mail. It is important to renew your car insurance before it expires so that you don’t have a lapse in coverage.

This means that if you are planning on canceling your current car insurance provider, you need to have another one already selected and an application approved.

Canceling your car insurance policy should be fairly simple. If you have a rapport established with your agent, then you can simply call and tell your agent that you are canceling your car insurance. If they require a letter in writing, they will advise you of that.

If you don’t know how to cancel your policy, you should find written instructions somewhere in your policy or Declarations page. Usually, a letter of cancellation in writing is sufficient.

Be sure the letter includes:

  • Your name
  • Your policy number
  • The last date of intended coverage
  • The reason for canceling your insurance, if needed

Depending on how much money you have paid against your premium, you may receive a partial refund from your insurance company. If you think you are due a refund, be sure to ask your agent about it.

Be advised that if you are driving insurance with an SR22 policy, you are not allowed to cancel your insurance without having another policy already purchased.

If you cancel without having new insurance in place, the driving privileges you have will be suspended or revoked again.

Sample Car Insurance Options with Quote Tools

You have to have car insurance liability no matter where you live. However, the majority of car insurance components are optional.

Using online quote tools you can get a sample idea of what your car insurance will cost with different types and amounts of coverage.

Start with what you know you need and what you would like and then add and subtract from there to see your different quotes.

For example, if you are required to carry 10/20/10 for liability but you know you want 50/100/50, then start your quote request with that. Add comprehensive and collision if your car still has market value to it.

See how much more it would cost to add uninsured motorist coverage and underinsured motorist coverage. Maybe you would like towing insurance, so by adding it on to your quote, you can see how much that changes your rate.

The amount of the deductible can also have a major impact on the cost of your car insurance. So, when you’re sampling different insurance options, try varying the deductible to see what is affordable for you.

The easiest way to sample car insurance rates is by using an online quote tool. Simply enter your zip code to get started receiving free car insurance quotes from different companies now!

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