When is the Best Time to Switch Car Insurance Companies?

There’s never a good time to switch car insurance companies, and here’s why: you hope that your current company provides you with high-quality, comprehensive coverage well into the future?

Unfortunately, there may come a point when you need to make a change. While it sounds like a big deal, it’s easier today than ever before. You can shop for and compare quotes online, all with the goal of buying a policy in the near future.

Here are five times when you may need to switch car insurance companies:

  1. To Save Money

Most people are always on the lookout for ways to save money. For example, you may decide to switch banks if the fee schedule becomes out of hand.

The same holds true with car insurance companies. If your current provider is charging you more than the average for someone in your position (in your state), it may be time to move on.

If nothing else, you can request car insurance quotes online to better understand what else is available. This alone will tell you if a simple change can result in saving money.

  1. After a Bad Experience

You hope that your car insurance company will provide you with a good experience, time after time. But you also know that things can and probably will go wrong at some point. And when that happens, you have to decide if it’s time to move on.

If you’re interested in switching car insurance companies, find one that provides better service than the provider you’re leaving. This will help prevent bad experiences in the future.

  1. For Better Customer Service

Some car insurance companies are devoted to providing you with a high level of quality customer service, whether it be online or over the phone.

Conversely, there are also car insurance companies that lag in this regard. They talk about how they provide the best service, but when it comes down to it, nothing could be further from the truth.

For many people, paying extra money for better customer service is well worth it. This gives them peace of mind in knowing that they will be taken care of should anything go wrong.

Tip: test out a car insurance company’s customer service by calling them on the phone and asking a few basic questions. If they treat you poorly, you can expect the same type of service if you become a customer.

  1. When Buying a New Car

There is a lot that goes into buying a new car. For this reason, it’s easy to overlook the fact that you need to purchase insurance.

If you’re not 100 percent happy with your current car insurance company, this is a good time to make a change. At the very least, you can request a handful of quotes from other providers to see what else is out there.

If you’re going to make a change, be sure that you’re getting equal or better coverage at the same or lower rate. This will ensure that you’re a happy customer from the start.

  1. When Traveling for an Extended Period of Time

For example, your car insurance company may not allow you to cancel your coverage and restart it whenever you want.

You may find yourself asking questions such as do you need insurance on a car that doesn’t run? Since you’ll be away from the vehicle for an extended period, you don’t want to pay for coverage.

Every car insurance company takes a unique approach to this. If your current provider is unable to meet your needs, it’s time to start your search.

By switching car insurance companies, you may find it easier to alter or put your policy on hold if you’ll be traveling for an extended period of time.

Ask for clarification from any company you’re considering, so you don’t run into surprises the next time you decide to leave home for a while.

Final Thoughts

There is no right or wrong time to switch car insurance companies. If you have reason to believe it’s a good idea, now’s the time to learn more about the process.

Shopping online is the most efficient way to find an affordable policy that provides the coverage you need.

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