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Switching your auto insurance company Learn your coverage limits Comparison shop Stay with your current carrier
Go with a (more professional) lower cost carrier
Cancel your old insurance policy
A. Learn your coverage limits . You can only do a fair analysis of your auto insurance premiums by comparison shopping policies with the same level of coverage . bodily injuries to any one person in the accident. The maximum amount paid for all bodily injuries, no matter how many people are hurt in the accident, is $40,000. The maximum amount paid for damage to someone else's property (Property Damage) in the accident is $10,000. Your Bodily Injury and Property Damage Liability may also be shown as a single limit, e.g., $70,000 Combined Single Limit (CSL) or double limits 20,000/40,000.
B. Comparison shop . Make sure you are getting a quote for the same levels of coverage and deductibles. Does the policy include towing, rental reimbursement and uninsured or underinsured motorist? Have them fax or mail a copy of the quote, then call your existing insurance company to see if they will match it. If your old company will give you a batter rate, you might save money and avoid time spent switching companies. estimate or a real time rate . Some companies could give you a rate and then raise it shortly after with more accurate information. Does the company have online binding?
C. Stay with your current carrier and review in a year or upon changes. If you move, add or subtract drivers, add or subtract cars, divorce, marry or remarry, etc. again take the time to make sure you are getting the best rate. If a large number of people in your coverage group file claims during a given year, your rates will likely rise. That same coverage group may not file many claims with a different carrier, and their rates may the same or even go down. So do not be offended or mystified if your carrier suddenly raises your auto insurance rates without you being in an accident or having claims. C. Go with a lower cost carrier . Many states mandate continuous liability coverage, and you can have problems if you have a lapse in coverage while driving. Review the new policies coverage limits in writing to verify you got what you paid for. Try out their service and see if the savings was worth the switch. You won't know for sure until you make the move. D. Cancel your old insurance policy . Inform your insurance company in writing, specifying the date you want the policy canceled. In some states, your new agent must notify your old agent of the cancelation. Some companies ask that you send back the actual printed policy or that you complete a cancellation request form to sign and return. Make a second follow up call to your agent or the company immediately to check on the status of your cancellation. Don't just walk away from your old policy without formally canceling it. You will get a notice from your insurance company 30 days before your policy renewal. Contact your old carrier within this time and let them know you have gone to a lower priced auto insurance company. Most states allow a policy cancelation fee (called a "short rate" penalty) if you cancel your policy before renewal, with the exception being if they change your rates or coverage. If you don't want to wait until renewal and the savings justify the change, try and cancel at the end of your payment cycle. You may need to show your old carrier copies of a new insurance identification card or the Declarations Page of your new policy. Your new company will be able to time the onset of your new policy to coincide with the cancellation of your old coverage. Comparison Market . hey offer online binding, a dependable interface and many top rated carriers.
