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How can I change car insurance coverage?
Am I allowed to switch my insurance policy? I bought a new car and already feel like I’m paying too much for my current coverage. I want to find a new insurance policy at a better rate.
Phoebe Mah · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Yes, you are allowed to change your insurance policy at any time! To ensure a smooth and successful transition, the
Jerry
app is a good place to start.Providing you with a comprehensive cross-analysis of the best policies across providers, Jerry will handle the phone calls, paperwork, and renewals for your top pick so that you don’t have to. We even help cancel your old policy!
If you’d rather shop around yourself and change your policy manually, here’s what to do:
- Step 2: Inform your current insurance provider you are switching insurance. They may even offer to match the coverage you chose at the price you were quoted by another company.
- Step 3: Check if there are any penalties for switching your policy. If you finish your coverage term, there will be no penalties. If you want to cancel your policy early, ask about cancellation fees. It may still be mathematically worth switching early, but at least you won’t be blindsided with a bill you weren’t expecting.
- Step 4: Research your new insurance company. Before you sign the new contract, do some research to make sure the new company you chose has good customer service. Try using Edmunds to check out the reviews or ask your family and friends which companies they use and about their experience.
- Step 5: Avoid a gap in your coverage. One way to avoid this problem is to overlap your policies for one day. Schedule your new policy to start and the old policy to end accordingly.
- Step 6: Print out your new insurance ID card. In the unlikely event the police stop you or you find yourself in a collision, it is important to keep your new insurance ID card with you to verify your new policy and coverage.
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- Gregory R.
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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
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