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A Simple Guide To Switching Your Car Insurance Agency

20 May 2021

Christian Byrd

According to research conducted in 2015, few American drivers change their insurance agencies. However, this doesn't have to be you. If you are unsatisfied with the services offered by your current car insurance agency, then it's time to look for a better alternative.

Changing your car insurance agency is not a complicated process. However, it requires thorough research and commitment. By following this detailed guide, you can ensure that the switching process will be quick, painless, and flawless.

1. Make Comparisons

It's essential to compare multiple companies when shopping for your new car insurance agency. Doing this helps you compare their policy features (deductibles, coverage types, limitations), rates, and customer reviews. You can do this by checking for online reviews and ratings and asking friends and neighbors about their experiences with particular companies.

2. Compare Price Quotes

Prices are a significant reason why most drivers decide to switch their car insurance agency. However, it is wise to not overlook essential details such as coverage policies, company history, customer reviews, and complaints. Before settling for the cheaper option, do some digging, as this might help you find the best services.

3. Cancel Your Old Insurance Policy and Follow Up on the New One

Informing your current insurer about your intention to switch agencies might offer you some good leverage. They might offer you lower rates to suit your budget and even add some bonus coverage to keep you as one of their clients. However, if they do not budge, it is time to switch for a better alternative. Always ask for a written confirmation on the policy cancellation from the agent to avoid future renewals. 

4. Swap Your Old ID

Do not forget to swap your old IDs with the new ones when your policy starts. You can often download a digital proof of ID online through your phone.

Apart from inadequate services, several other factors might contribute to changing your auto insurance agency. These factors include adding a new driver to your policy, getting married, buying or selling your car, looking for better policy rates, and moving states.

Whether it's for one of the above reasons or for another reason, you should know what to do and what to expect. Therefore, by following the steps above, switching your car insurance agency will be an easy process. If you encounter obstacles in the process, contact an auto insurance agent for assistance.

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