How TO Switch Car Insurance Companies As Easily As Possible
18 August 2009
If you have ever thought of switching your auto insurance, it may be a good idea and don't think you shouldn't for fear of it being too complicated. Some reasons you may consider switching may be you may have discovered a different car insurance company that offers comparable coverage at a better monthly premium. If you switched job and your employer has a discounted rate for auto insurance set up. Or you may just have had a poor service with your current provider and want better service in the future. The internet makes it easier than ever to get free car insurance quotes so finding different carriers should be hassle free.
What Are The Benefits Of Switching Car Insurance Companies?
You should be reviewing you can insurance policy from time to time so you know you are getting the top coverage for the money you are paying. You can save quite a bit of money if you do you due diligence with a little extra research. Auto insurance rates can be much different in cost for the same coverage if you live in different states. It may seem weird at first because it is the same coverage but the cost can be different because of the amount of accidents that happen each year in those different states. As well as a certain demographic of people, such as people between 21 and 25 may be seen as more of a risk with one company so they have higher rates for that age group. Whereas another company may have not had as many people file claims in that age group so their premiums are less. If you find a better rate, you will see it is fairly simple to make the change.
What To Do To Cancel Your Old Car Insurance Coverage?
With most auto insurance companies you can just write a letter requesting cancellation of your current coverage and the date you wish it to be cancelled. Other companies make it a little easier, where you can just call in to let them know you want to cancel and then they send a letter to you in the mail to sign and date and mail back which ends your policy with them. If this is the way your company works, be sure to look over the cancellation agreement carefully to be sure you won't have any further obligations.
Have A New Auto Insurance Policy Before You Cancel.
This may seem like common sense but you want to make sure you have a new policy active before you cancel your old one. You don't want to take a risk on having a few days without coverage and ending up in an accident with no coverage to protect yourself. It is the law to have auto insurance in most states while driving so it could be a very expensive mistake. A lot of car insurance carriers will also require you to show proof of having a new policy before they allow you to cancel, so it is best to have it already.
To make the whole process of find new auto insurance, be sure to take advantage of a website to get free car insurance quotes, so you can find the best auto insurance rates.
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