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How to Safely and Easily Switch Car Insurance Policies

April 29, 2016

Easily Switch Car Insurance Policies with These Three Steps

Before you switch car insurance companies, there’s a few things you should know. There is a right and a wrong way to change car insurance companies. You could hurt your credit and possibly raise your premiums with your new company by doing things the wrong way or in the wrong order. So what should you know when changing insurance companies? We’ve got a short list to help you keep it straight and save time as well as money.

Start a New Policy before Canceling the Old One

Ideally, you should always start a new car insurance policy before you end your old policy. Gaps in coverage aren’t viewed favorably by insurance companies and could end up costing you money.

Cancel Your Policy on Your Schedule

You don’t have to wait until your policy renews to cancel. As long as you notify your current auto insurance provider, usually in writing, there shouldn’t be any problems. If you decide to cancel in the middle of a cycle, your insurer will refund you the unused portion of your premium.

Don’t Forget to Pay for Bills on Your Old Policy

Believe it or not, it isn’t uncommon for people to switch car insurance policies and simply cease to pay (or fail to cancel) their previous policy. Not paying bills can negatively affect your credit score and you could be held accountable for missed payments and late fees, so be sure to cancel your old policy. Not paying is not a valid option!

It’s always a good idea to shop around for car insurance.There’s nothing wrong with switching, you deserve access to the best price on car insurance, just like any other product. Just make sure that, should you choose to switch car insurance companies, that you do it the right way.


Buying auto insurance can be a confusing and disoriented process. We want to make sure that our users can make informed choices about their car insurance, selecting from as many options as possible. Read our Auto Insurance Buying Guide to educate yourself before you start a quote.

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