Ever looked at your car insurance rates and knew you were being ripped off? Whether it was from a bad accident or you’re not rewarded enough for your good driving, it might be time to switch your car insurance. Switching car insurance companies is easier than people think, and there’s lots of valid reasons why you should switch your car insurance.
This article goes over some great reasons why you should consider switching your car insurance. We’ll also go over some frequently asked questions about changing your insurance. If you identify with any of these reasons, call Quote Purple to find you the most competitive quotes.
7 Good Reasons To Switch Your Car Insurance
There’s a few common life changes that call for you to reconsider your current car insurance policy. Here’s 7 common reasons to look for new quotes from different car insurance providers.
You Got In An Accident
Your car insurance will go up after a car accident, even if you decide to switch. How much it’ll go up could depend on who you’re with. If your current company gave you some unreasonable quotes, it might be time to consider another provider.
You’re Moving
Different states and even zip codes have different rates on car insurance. Moving can drastically change your current car insurance rates. If you recently bought a house, you can get even more savings by bundling your insurance.
Also Read: Minimum Insurance Requirements By State
You Got Married
When you get married, your rates may change. Most married couples will add the other driver onto one policy to receive discounts. However, if your partner has something severely affecting their car insurance rates, such as a DUI or a bad accident, your insurance could take a hit.
You Got A New Job Or Graduated College
There are some professions, such as nurses and teachers who can get exclusive discounts on their car insurance. You might be surprised at which careers can get you discounts on car insurance. Even completing your college degree can earn you up to 4% off your current rate!
If you recently found a new job, or graduated from college, check with your current insurance company to see if they can offer you discounts.
Also Read: 5 Money Saving Tips Insurance Companies Wish You Didn’t Know
You Need Better Coverage
Sometimes, your coverage just doesn’t do everything you need it to. Many drivers opt out of comprehensive coverage if it’s expensive, but this coverage can cover a lot of issues drivers commonly experience. Your comprehensive coverage covers issues such as theft, vandalism, natural disasters, and broken windshields.
Also Read: Using Insurance To Cover Broken Windshields
If you’ve recently started driving more frequently, you should also consider switching car insurance coverage. Driving more often, or having a longer commute to work means you’ll be on the road more often. Being on the road more often means you’ll have more chances to get into an accident.
The Customer Service Is Horrible
Sometimes finding cheap car insurance means you’ll have to put up with vague replies and long wait times. These things might not seem like a big deal at first. That is until you get into an accident and end up without a vehicle.
Working with the right car insurance company is vital for instances like this. Certain car insurance providers have direct relationships with mechanics and repairmen. This may determine how quickly your car can be repaired.
Your insurance company should be on your side if you are in an accident. You shouldn’t worry about interacting with your car insurance company, you deserve quality care.
Also Read: How My Insurance Protected Me In a Not-At-Fault Accident
The Car Insurance Has Poor Subrogation
Some car insurance companies don’t go through subrogation. This is how different insurance companies negotiate between each other after an accident. Some insurance companies won’t even go through subrogation, which severely affects your credit and CLUE score.
Also Read: What Is Subrogation
How To Switch Car Insurance Companies
Most drivers don’t realize just how it is to switch their car insurance. Start by comparing some rates from other companies. Quote Purple can send you quotes instantly over the phone or right here online.
Research your chosen car insurance companies for reviews, bonuses, and special offers. Once you’ve made a decision, call your previous company to see if there are penalties for switching. Make sure you also speak to your previous insurance company about avoiding a gap in coverage.
Once you’ve cancelled your car insurance, call Quote Purple and we can connect you with your new car insurance provider.
Penalties For Switching Car Insurance
Every car insurance company has a different policy on canceling car insurance. The penalties for switching car insurance are normally either a flat fee or a percentage of your current policy. Calculate the penalties compared to the total savings of the new premium. If the new policy is less than 10% of your current policy, see if your current company will match the premium costs. This will also help you avoid penalties if you want to wait for your policy to end.
When To Switch Car Insurance Companies
It’s always a good idea to consider switching car insurance companies, even if you’re totally satisfied with your current services. The best time to consider switching car insurance companies is close to the end of your current policy. However, there’s nothing that says you need to finish your current car insurance policy.
If you want to find cheap quotes from only quality car insurance companies, call Quote Purple. We only work with the best insurance companies, so you can find the cheapest price for the best care.