A question plaguing motorists is when to change their car insurance. There’s no one-size-fits-all answer to the question of when you should switch car insurance providers. However, there are some sure-fire signs that you need a new auto insurer.


One of the most obvious signs you should start looking for the cheapest car insurance providers is if you’re paying too much for coverage. If you’ve had the same policy for a few years and your rates have increased without any change to your driving record or coverage, it’s time to find a new insurer.

Auto insurance rates vary widely from one company to the next, so it’s worth taking the time to compare rates and find a policy that’s cheaper and offers the same level of coverage.

Your Premiums Increased for No Reason

Another sure-fire sign you should switch car insurance providers is if your premiums have increased for no reason. While insurance premiums increase annually or after claims, if your rates have suddenly increased without any change to your policy, you’re likely being overcharged.

Services Offered

Another sign it might be time to switch car insurance providers is if your current provider doesn’t offer the type of coverage you need. If, for example, you bought a very basic policy when you first went on the road and you’ve built up a nice driving history since then, it might be time to buy more comprehensive coverage.

Different Types of Car Insurance Policies

Different types of car insurance offer different levels of protection, so it’s important to find one that fits your needs. The main types of car insurance are liability, collision, and comprehensive.

Liability pays for damage to other people’s property or injuries to other motorists, while collision and comprehensive cover the costs involved in repairing or replacing your car. If you can’t afford to replace your car because of an accident, collision and comprehensive are the types of coverage you’ll need.

Customer Service

If you’re not happy with the customer service you’re getting from your current insurer, it might be time to switch. Car insurance companies vary widely when it comes to customer service. Some are helpful and friendly, while others are dismissive and unyielding. If you’re not getting the service you need from your current insurer, it’s time to start shopping around for a new provider.

Fraud Prevention

For some consumers, it makes sense to switch car insurance providers every few years to keep themselves safe from fraud. Car insurance is a big target for scammers, and it’s important to stay ahead of the curve.

How to Avoid Car Insurance Scams

Fortunately, there are a few easy ways to avoid being taken in by a scam:

  • Be wary of unsolicited phone calls or emails from car insurance companies.
  • Never give out your personal information over the phone or through email.

If you get a call from an insurance company claiming to represent your current provider, hang up. Then check with your insurer to make sure the call was legitimate. Also, be sure to comparison shop before buying a policy. There are a lot of scammers out there looking to sell new policies to hapless drivers. Still, there are also legitimate companies happy to give you a good deal.

How Often Should You Look for New Auto Insurance?

How often you should switch car insurance providers depends on your needs and circumstances. A good rule of thumb is to shop around once a year. This will give you a chance to compare rates and find a policy that’s right for you.

If you’re happy with your current policy and you’re not paying too much, there’s no need to switch. However, if you’re paying too much, your policy doesn’t offer enough protection, or you’re not getting the service you deserve, it might be time to start shopping for new coverage.

Does Switching Your Car Insurance Affect Your Credit Score?

One question that often comes up when people are considering switching car insurance providers is whether the switch will affect their credit score. If you switch to a car insurance company that’s been in business for a long time, the switch probably won’t affect your score at all.

How to Get Low-Priced Car Insurance

The best way to get low-priced car insurance is to shop around and compare rates. You can use an online tool to get free car insurance quotes from a variety of companies. Then, choose the company that offers you the best rate. In the long run, it’s worth taking a little time to shop around and find the best deal.