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Switching Car Insurance Providers

Auto insurance is a legal necessity for nearly all drivers across the country. Still, there is no law that states you have to remain with one provider forever. Sometimes circumstances come up that make a motorist think about switching car insurance providers. If this is something you are considering doing, be sure to take a few things into account before you make your big move. First of all, it is now easier than ever to take a look at that proverbial other side of the fence and see what else might be out there for you as an auto owner. If you are unhappy with your current auto insurance company, you can get online and look for quotes with a few keystrokes.

Second, even though it is fast and easy to find a replacement provider if you are fed up with the one you've got and you can't wait until policy expiration time to jump ship, you have to make sure you properly inform your current provider about your decision, including giving as much notice as is required and in whatever form it is needed. And third, be sure you don't make a decision too rashly based on a single incident. Understand that no insurer is perfect, and that trouble can happen anywhere you go. Be sure you are really ready to make a change before you make that final choice.

Quotes in a Few Keystrokes

If you are serious about switching auto insurance providers, you should realize as a policy holder that technology has made it easier than ever to gather quotes and research different auto insurance companies. You can sit down with your laptop and solicit several free quotes with just a few keystrokes and clicks of the mouse. It is great to know that you have this kind of connectedness to providers these days. As consumers, we have been empowered by the rise in online auto insurance, because it gives us the ability to let insurers come to us rather than the other way around. No longer are you bound by normal business hours kept by agencies. You no longer have to get an appointment with an agent and sit through his sales spiel to get into a policy.

Auto insurance policy holders are now free to essentially shop themselves out as free agents to the many different providers selling their wares online. In the time it used to take to get a few quotes over the phone or at an agency, you can now get a dozen if you so choose, and do it without ever having to leave the house or pick up a phone. Best of all, you can do it any time of the day, and any day of the week including the weekend. This is great news for those of us with busy schedules, which is pretty much everybody. We all have better things to do than to sit in the lobby at the agency waiting for our turn to talk to an agent. And with the online auto insurance option, we can fit this purchase where it makes sense in our schedule instead of having to work around it.

Give Proper Notice for Cancellation

There are some cautionary details to think about if you are perfectly fed up with your provider and want out as fast as possible. For most of us, it is enough to just wait out our current policy period and simply decide not to renew with our current provider. But if you have that itch to switch right in the middle of your covered period, you have to make sure to give your current insurance company proper notice. This usually means giving something like 30 days notice prior to cancelling, telling them a specific date, and doing it all in writing. But you can find out your insurer's policy by inquiring with one of their representatives. Be sure to find out what their refund policy is for remaining unused premiums. You will very likely have to pay a fee of some sort for early cancellation. It may be better financially to just stick it out until the policy expires. But this is all up to you.

No Auto Insurer is Perfect

Just keep in mind one thing: no auto insurance company is perfect. They are run by people just like you, and people are fallible. If you have had a consistently poor experience with a provider over some period of time, a switch to a different insurance company may be needed. But one single incident is forgivable in the context of a long and otherwise beneficial relationship. Make sure you do not jump the gun and act too hastily. Cover your bases and avoid trouble if you do cancel, and give notice as required by your state law.


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