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How can I change car insurance companies?

My car insurance will renew next month, but they informed me my rate will increase. How can I change car insurance companies before the rate increases?

avatar
Jack Walsh · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
It’s always a good idea to compare quotes and shop around for a new
car insurance
policy before your policy renews, your rate increases, or you need to make adjustments to your policy.
To change car insurance companies, you should do the following:
  • Make sure there are no penalties for switching your policy. These penalties are more common if you are canceling a policy mid-term.
  • Identify the coverages you need by checking the
    minimum car insurance required in your state
    and avoid expensive optional coverages like
    towing and labor coverage
    .
  • Compare car insurance quotes from multiple companies.
  • Purchase a new policy while making sure to avoid a
    lapse
    in coverage.
  • Cancel
    your old policy and confirm the cancellation with your previous insurance company to avoid a charge for a policy renewal.
If you’re hesitant to switch plans or insurance providers because you’re worried about the work involved, download the
Jerry
app. Jerry compares personalized quotes from 50+ top providers, like Nationwide, Allstate, and Travelers, and does all the paperwork for you. The average Jerry driver saves $879 a year on car insurance!
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