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How do you switch car insurance carriers?

What's the best way to switch to a new car insurance carrier? My current car insurance company is slow and unresponsive. I think it's time for me to make a change.

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Joshua Levy · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“Switching car insurance can seem a little overwhelming, but the process is fairly simple! In fact, all you need to do is find a plan you like, buy your new policy, and cancel your old one.
Here’s how to make the process as easy as possible:
  • Decide how much coverage you can afford before switching policies. This is a great way to narrow down your choices to a more relevant selection.
  • Compare quotes and check for discounts with at least three different providers. Policy prices and premiums vary drastically from company to company, so make sure you’re getting a good deal before you settle.
  • Evaluate the new company’s service record to make sure the provider is consistent and reliable. Just because a policy is cheap does not mean it’s a good buy.
  • Communicate with your current insurer about your plans. It may be uncomfortable, but they’ll be able to give you information about their cancellation process—and they might even give you a discount to stay!
  • Avoid any lapses in coverage by making sure you buy your new plan before canceling your old one. It is illegal in many states to
    drive without insurance
    , and any accidents that occur while you’re not covered will have to be paid directly out of pocket.
These steps can take a lot of time and patience. If you want to make the process a whole lot easier, you could try using
Jerry
. A licensed broker that offers end-to-end support, the Jerry app gathers affordable quotes, helps you switch plans, and will even assist in canceling your old policy!”
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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.

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