10 Signs that it's time to shop for car insurance


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UPDATED: 2020-02-25T18:25:19.112Z
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You could save hundreds of dollars by switching car insurance companies. A Clearsurance study reports that drivers who switch save an average of $390 per year on car insurance. But how do you know when it’s time to shop around for a new car insurance company?

There are signs to look for that suggest it may be worth your time to shop around for new car insurance. If your situation matches any of the items below, consider shopping around. It could help you find a better company and cheaper car insurance by getting new quotes.

Sign 1: You’re unhappy with your current auto insurance policy.

If you’re unhappy with your current car insurance company, whether it’s due to a lack of responsiveness, poor customer service, or your car insurance rates are too high, you may be able to find a better company if you shop around.

Given all of the car insurance companies offering auto quotes today, you shouldn’t have to deal with unsatisfactory service. Dissatisfaction with their current insurance company is one of the top reasons people switch car insurance companies.

Sign 2: Your car insurance rates recently increased.

There are many reasons your car insurance rates could have increased. If you had an at-fault accident or if you just bought a new car, an increase in your car insurance rate may be expected. However, other times, your rates can increase even if you’re a safe driver and haven’t gotten a new car.

Regardless of the reason for your rate increase, you may want to shop around for car insurance. A different company may offer you cheaper car insurance. A Clearsurance study found that drivers who switch companies save an average of $390 per year.

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Sign 3: You haven’t had a speeding ticket in three years.

A good driving record is one of the big factors that insurers consider when they determine your auto insurance premium. Drivers who obey the speed limit are less likely to get into accidents. They represent a lower risk to the car insurance company.

A speeding ticket typically remains on your driving record for about three years. If you’ve gone three years without a speeding ticket and you have an otherwise clean driving record, you may be able to get the best rates possible.

Safe drivers should shop around for car insurance because you may find a company that can offer you a better rate, especially since you don’t have any violations on your record. Get quotes from multiple companies and compare your quotes to ensure the cheapest rate.

Sign 4: You need to add a new driver to your car insurance policy.

If you need to add a new driver to your policy, you may want to shop around and compare rates from multiple different companies, especially if the driver is a new teen driver or someone with a poor driving record.

It’s best to shop around to ensure that you’re getting the best deal because adding a new driver to your policy can affect your rates. Call your agent or gather some car insurance quotes online and compare the prices to see how much money you could save.

If you’re adding another car to your policy as well, be sure to ask your insurance agent about a multi-vehicle discount. Many companies offer a multi-car discount including Geico (Geico profile), State Farm (State Farm profile), Travelers (Travelers profile), and Progressive (Progressive profile).

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Sign 5: A ticket just rolled off your record.

Many states use a points system to track moving violations, which car insurance companies may access when writing or renewing insurance premiums. If you get a moving violation ticket, you may see your car insurance rates increase when it’s time to renew your policy.

Depending on the severity of the infraction, most tickets will eventually “roll off” your driving record. If you’ve had a clean driving record for a few years after getting a ticket, check to see how long the type of ticket you got will stay on your record. Once the ticket comes off of your driving record, it’s time to see if there are better car insurance rates out there for the safer driver that you have become.

Sign 6: You haven’t compared car insurance quotes in over a year.

It might seem tedious to check rates annually, but you could save money if you spend the time to request quotes from a few car insurance companies. If it’s been a year or two since you’ve checked rates, pick a few companies to get quotes from and and see what rates they can offer you.

Use Clearsurance’s car insurance calculator to get company recommendations, based on feedback from other consumers, to shop for car insurance. According to Clearsurance’s car insurance shopping study, shoppers should get at least four quotes in order to find the best deal.

Sign 7: You’ve recently had a major life change.

Certain life changes are a sign that you should compare car insurance rates. For example, if you’ve recently purchased a home, you might be able to save some money by bundling your car and home insurance. Many insurance companies offer bundled insurance or a multi-policy discount, including Allstate (Allstate profile).

Another time to shop for new car insurance is if you get married. If you combine your car insurance policy with your spouse, you could save money rather than having two separate policies. Be sure to ask your agent about a multi-vehicle discount or be sure to get quotes that include your new spouse.

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Sign 8: There are new insurance companies in your area.

Competition can mean lower prices, better coverage options, or both. If you’ve noticed new insurance providers advertising in your area, it’s worth it to check them out and compare insurance coverage and rates by getting quotes.

Visit Clearsurance’s car insurance rankings page to see the car insurance companies that offer car insurance in your zip code and are ranked by consumer reviews and feedback.

Sign 9: A family member, coworker, or friend just switched.

Have your friends been sharing how much they saved by changing insurance companies? Take a cue from those around you. If other people close to you have switched car insurance companies and have found better policies at cheaper car insurance rates, maybe it’s time to do some comparison shopping.

An added bonus: you can piggyback on the research they’ve already done by asking for recommendations. Visit Clearsurance's car insurance rankings page to see which companies other drivers recommend and read car insurance reviews. Consider getting quotes from multiple companies so you can compare the cost.

Sign 10: You’re moving to a new area.

One of the factors that affects car insurance is the area that you live in. This includes the area’s safety as well as the frequency of car accidents or car break-ins in the area. If you’re moving to a new area, be sure to shop around and see if you can get cheaper car insurance rates from a different company.

Keep in mind that even if you plan to stay with your current insurance company when you move, you still need to contact the company and alert them of your move.

How has your experience been with your insurance company? Share your story by writing a review of your insurance company on Clearsurance.

Was this article helpful to you? Please consider sharing it with a friend, family member or on social media to spread the word about how Clearsurance helps consumers find the best and cheapest car insurance based on other consumer ratings and reviews.


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