Having car insurance is a great feeling. It allows you to drive knowing that you are protected in case of an accident and do not have to stress about paying the entire cost of the accident out of pocket. Many drivers look for the cheapest auto insurance company that they can find, but there may come a time when they need to change providers for one reason or another. Here are ten factors that might cause you to decide to switch your auto insurance provider:
A better deal: many people decide to switch providers simply because there is another company out there that offers them a better price. If you are confident in the services that the new company provides, go ahead and make the switch to the new company.
·Better customer service: If you have been dealt with in a rude or inattentive way, it might be worth it to switch to a new provider. The cheapest auto insurance companies do not always have the best customer service.
A rate hike for a new driver: some companies handle new drivers being added to an insurance policy better than others, especially young drivers. Keep in mind the principles of finding auto insurance for young drivers to make finding a cheap car insurance company for a new driver less difficult. Most major insurers offer discounts young drivers can capitalize on, such as State Farm’s Good Student discount.
Getting married: in many cases, married couples that have the same insurance provider will get a better deal on auto insurance. If your husband or wife’s provider can offer you a better quote for the insurance you need, it might make sense to switch insurance companies. If you are a female getting married, make sure you capitalize on other opportunities for auto insurance discounts for women.
Lack of discounts for safe driving: a good car insurance company should offer you a break in your car insurance rate if you show a record of safe driving over a certain time frame. Other companies, like Progressive, allow you to have your driving monitored so that you can get discounts based on the way that you drive.
A cumbersome claims process: you want your car insurance company to deal with your claim promptly and effectively. If your auto insurance provider takes too much time to process your claim or your claim is constantly being bounced around to different representatives, it might be time to switch insurance providers
Moving to a new location: if you have changed residences and your old insurance company does not offer coverage in your new town or city, you will have to switch to a new insurance company. About.com suggests getting a referral from an agent in your old area or talking with your new neighbors to find auto insurance.
Buying a new car: when you change vehicles, it will also bring about a change in your car insurance premium. Some insurance providers might be able to give you a better deal on a new car insurance policy than others, so it is a good idea to shop around after buying a new car to see if any other companies can give you a more competitive insurance price on your new vehicle.
Changes to other insurance policies: if you have recently purchased a different type of insurance policy such as homeowner’s or renter’s insurance, you may be eligible for greater discounting if you get your auto insurance policy from the same company. Inquire with your provider to determine what kind of discounts you can get on your auto insurance.
Getting a traffic ticket: if you have gotten a ticket for a traffic violation, most insurance companies will raise your premium. However, some auto insurance providers care more than others about particular infractions. If you are unhappy with a rise in your rate after a ticket, see if you can get a better deal by switching to a new provider
Auto insurance is a complex type of coverage that can change based on many factors. If you have experienced any of the ten situations above, it is in your best interest to at least see what other options you have by going online to compare car insurance quotes. Do what you can to find an insurance provider that can give you a competitive rate as well as the service that you need to drive confidently.