Switching insurance companies is easier than most people expect, and with an independent agent you only have one conversation to make.
- Find your declarations pages. They list your coverage, limits, deductibles and renewal date. Your current company can email them, or we can work from what you know.
- We quote the same coverage with several companies. Matching coverage lets you compare prices fairly. We’ll also point out anything you’re missing.
- Pick a start date. Your renewal date is easiest, but you can switch any time.
- The new policy starts before the old one ends. Never cancel first. A gap in coverage can raise your future rates and leave you driving uninsured.
- We send proof of insurance to your lender. That includes your mortgage company and any auto lender.
- Cancel the old policy in writing. Any unused premium is usually refunded. Some companies charge a small fee to cancel mid-term; we’ll check yours first.
When switching might not make sense
If your current company is already the best fit for your coverage and price, we’ll tell you so. Sometimes a coverage change with your current company is the better move.