Can new car replacement coverage be added to a policy if you switch car insurance companies?

My cars are still under a year old, but I purchased them while insured with a different carrier. Can I still get new car replacement coverage with a new carrier? Will it happen automatically based on the vehicles' ages?

“Most car insurance companies have specific requirements for new car replacement coverage. As long as your vehicles meet these requirements, you will be eligible for the coverage on your new policy.
If your vehicles are eligible, you will still need to ask for the coverage to be added. New car replacement insurance is optional, so it won’t be added to your policy unless you ask. You’ll also want to confirm that the conditions of the coverage are what you’re looking for.
Every carrier has different names for their additional coverages and services. You’ll want to make sure that the coverage you’re adding on meets the expectations that you have.
If you’re unsure, you can reach out to the insurance company directly. An agent will be able to describe the coverages that are available and find you the insurance you need. “
Emily Maracle
Answered on May 07, 2021
Emily Maracle is a car insurance specialist living in New York. Originally from the Pacific Northwest, she has a degree in English Literature and a background in customer service. She enjoys cooking, gardening, and living sustainably. In the future, she can't wait to upgrade to a hybrid or electric car.

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