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Is it a bad idea to switch car insurance companies regularly?

I'm thinking of switching car insurance after my six-month policy is up. My insurance company charged me more, even though I have no speeding tickets or accidents. Is it bad to switch companies regularly to pay less?

avatar
Eric Schad · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“It’s common for car insurance companies to increase your rate, even if you didn’t get into an accident or receive any speeding tickets.
The company’s analytics department analyzes risk continually, so even if you’re a safe driver, other factors may increase your rate. These can include things like crime rates in your neighborhood or weather events.
Because of this, it makes sense to shop for
car insurance quotes online
 to find a better rate. However, if you find a better price elsewhere, it may be a good idea to call up your current insurer. If you’ve been with the company for a long time, you might be able to get them to match a competitor’s rate.”
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