Switching Car Insurance Companies

Switching car insurance companies can be done with a simple phone call to your current provider to cancel your coverage. Do NOT cancel your existing policy until your new one starts or you risk driving without coverage. Before switching auto insurance companies, compare quotes online below for free to get the best rates.

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Natasha McLachlan is a writer who currently lives in Southern California. She is an alumna of California College of the Arts, where she obtained her B.A. in Writing and Literature. Her current work revolves around insurance guides and informational articles. She truly enjoys helping others learn more about everyday, practical matters through her work.

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Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance for 10 years. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate...

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Reviewed by Laura Walker
Former Licensed Agent

UPDATED: Nov 12, 2020

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The first step in changing insurance companies is to do some research to understand how much insurance you need and which insurance company that you wish to do business with. Look at several quotes from online car insurance providers and compare the differences between coverages and costs for each company.

Make sure that you are purchasing at least the minimum required by law, but don’t cut corners on getting the protection you need, such as collision coverage on an expensive new car or towing reimbursement on an older, less dependable car.

When you have found a few good companies to choose from, check the financial ratings of the different companies with places such as the A.M. Best Company, or Standard & Poor’s index. Look for companies with an A rating or better, indicating the company is on sound financial ground and is not likely to default on coverage even in extreme conditions.

With the list narrowed down a little farther, talk to your family, friends and coworkers and ask them if they have had any experiences, good or bad, with your potential insurers. Having an excellent financial rating is not much help if the company turns out to have a bad reputation with their customers.

Many online quote sites allow you to sign up for insurance right away, but take the time to do your research before you take out the policy. If you are sure this is the company you want, fill out the automated form and provide the company with any information that was not included in the original quote. Compare the new quote with the original and look for errors or omissions.

You can start with a new auto insurance company while the old coverage is still in effect, so don’t cancel your old policy until the new one has gone into effect. Keep in mind that your existing insurance provider may require as much as one full billing cycle for notice of cancellation.

What this means is that you must give them notice that you plan to cancel the policy. Failure to provide correct notice may result in being billed for a longer period than you actually need to have.

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