Switching Auto Insurance Agencies: Made Simple

How do you know you’re getting the best auto insurance rates if you never shop around and compare prices? Many people are surprised to learn that you can find better insurance rates and better service by shopping around. In fact, surprisingly few people even bother. According to a recent survey, 76 percent of Gen Z car owners never shop for better auto insurance rates. If they do, they only do so once every few years. 

Many are afraid the process of switching auto insurance providers is difficult or that they will get harassed by insurance companies clamoring for business. But this doesn’t have to be the case. Here’s what you need to know about switching your auto insurance.

Should I Switch My Auto Insurance?

This is a question that doesn’t provide an automatic answer that fits everyone. However, if you’re not satisfied with your current insurance coverage or the service you receive from your current provider, it’s always wise to explore your options.

Additionally, there are certain life changes that may invite closer scrutiny to the coverage, protection, and customer service of your current insurance agency and provider. Some of these include:

• Marriage.
• Divorce.
• New driver in the household.
• Moving away to college.
• Buying a new vehicle.

Just remember, price isn’t everything! Make sure you’re making “apples to apples” comparisons of the type of coverage you’re getting when comparing policies.

What to Consider as You Search for a New Insurance Provider

Arnold Insurance understands the frustration of finding a new insurance provider. Fortunately, it is easier than ever to get a reliable insurance quote so that you can compare one organization to another. That doesn’t mean there aren’t things you want to look for when choosing a new insurance provider. In fact, some of these things may be more important than others as you search.

1. The Reputation of the Claims Process: Some insurance companies make the claims process cumbersome and frustrating. Enough so that people leave shortly after filing their first claim. Look for companies that offer reliable assistance when the time to file a claim comes along.
   
   
2. Responsive Customer Service: Look for companies that respond to your questions before you buy and that have social proof of responsiveness from satisfied policyholders as well.
   
   
3. Search for Clarity Without Doublespeak: You need to know what is covered and what is excluded from coverage with your auto insurance policy. No one likes unexpected surprises, especially when it comes to something as critical as auto insurance coverage. Look for agents that answer your questions fully and that use easy-to-understand language when working with you.
   
   
4. Coverage Options: Every driver and every vehicle is different. You don’t need cookie-cutter auto policies designed for the masses. Work with an agency that offers unique and specialized auto insurance protection to meet your unique needs.

How to Switch Your Auto Insurance Provider

Once you decide to explore your auto insurance options, you might have a new question on your hands. One that involves "How do I switch my auto insurance?" It’s easier than you might think!

Before you switch, make sure you’re not subject to cancellation fees and other penalties for doing so. You can always wait to switch until after the penalty terms have ended. Then, contact the new company you’re going to work with and make the switch. Once you’re fully covered and ready to go with the new provider, make sure you cancel your existing policy and any auto payments you may have established for the old policy. It’s easy!

Make Sure Your Auto Insurance Policy is the Right One for You

Going back to the study mentioned above, most people shop for insurance by using online comparison websites. However, you can also shop directly on auto insurance agency websites or call specific agencies to explore your options.

If you’re ready to see the options available to you, contact Arnold Insurance today and let one of our team members help you with expert advice. We are always happy to help you find the best auto insurance rates for your protection and peace of mind.