Last Updated October 2025
Steps to switching car insurance
Whether you’re looking for lower premiums, better coverage or new discounts, switching car insurance doesn’t have to be complicated. By planning ahead and following a few simple steps, you can get the coverage want and you could save money by bundling policies or taking advantage of available discounts.
1. Research insurance providers
Start by getting quotes from several insurance companies to compare. Look at:
Coverage
When you compare different companies, make sure you’re looking at the same types and same amounts of auto insurance coverage. Here’s how:
Check the limits for bodily injury liability and property damage liability to be sure they’re the same for each insurer. For example, $100,000 per person / $300,000 per accident for injury and $50,000 for property damage. This would appear as “100/300/50” on your existing policy. Look at whether each policy quote includes collision or comprehensive coverage and if the deductibles (the amount you pay out of pocket before insurance helps) are the same.
Discounts
Some insurers may offer multi-policy (aka bundling), good driver or usage-based savings.
Customer service and claims support
Consider reviews and financial strength ratings from independent organizations such as AM Best.
2. Gather necessary information
Whether you’re getting a quote or applying for a new policy, you’ll need certain documents and details handy, including:
- Driver’s license
- Vehicle identification number (VIN)
- Current policy declarations page (to compare coverage and limits)
- Driving history (accidents, violations, mileage)
3. Apply for a new policy
Submit your application to your chosen provider and review the quote carefully. Confirm the start date of your new coverage so it lines up with your old policy’s cancellation date.
Things to consider before you switch
Understand your current coverage
Review your existing policy’s terms to see what’s included — liability, collision, comprehensive and optional coverages.
Compare benefits and costs
Sometimes the lowest premium doesn’t mean the best value. Compare deductibles, coverage limits, roadside assistance and other features. Make sure you’re getting protection that matches your needs. If one quote has higher limits or lower deductibles, it may cost more, but you’re also getting more coverage. Matching coverages across quotes is a good way to get a clear picture of which company is offering a better option for your needs.
Don’t overlook uninsured/underinsured motorist coverage
This helps if you’re in an accident with a driver who has no insurance or not enough to cover your costs. Some states require it, others don’t — but it can be an important safeguard. When you’re comparing policies, make sure the limits for UM/UIM coverage are the same across quotes so you’re really comparing apples to apples.
Watch out for fees
Some insurers may charge cancellation fees if you end your policy before the renewal date. Review your policy or contact your current insurer before making the switch.
When is the best time to switch car insurance?
- At renewal time: This is often the easiest, because no cancellation fees apply.
- After major life events: A new car, moving or adding a teen driver are all good times to re-evaluate coverage.
- Anytime: In most states, you can switch mid-policy, but be sure to weigh the benefits against possible penalties. Visit the National Association of Insurance Commissioners (NAIC)’s State Insurance Departments page to find your state insurance commissioner’s website for state-specific information.
Common mistakes to avoid when switching
- Canceling too soon: Always start your new coverage before ending your old policy to avoid a lapse.
- Only looking at price: Compare coverage options, not just monthly premiums.
- Forgetting deductibles and limits: Make sure you understand how much you’d owe out of pocket in a claim.
Frequently asked questions about switching car insurance
Can you switch car insurance at any time?
Yes, you can usually switch at any time, though you may pay a cancellation fee if it’s mid-policy.
Will I lose coverage during the switch?
No, as long as you set your new policy to begin before your old one ends, you’ll remain.
How does switching affect my premium?
Your rate depends on factors like your driving history, location, vehicle type and discounts available. Learn more about state minimum liability requirements, selecting coverage amounts and more in our car insurance FAQ.
The information contained in this page is provided for general informational purposes only. The information is provided by Farmers® and while we endeavor to keep the information up to date and correct, we make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, suitability or availability with respect to this article or the information, products, services or related graphics, if any, contained in this article for any purpose. The information is not meant as professional or expert advice, and any reliance you place on such information is therefore strictly at your own risk.
Related articles
Can I change my coverage whenever I want? Farmers Insurance® agent Marcus Troup of Springfield, Missouri, explains how easy it is to update your policy.
What does full coverage car insurance include? Full car insurance typically refers to an insurance policy that has a wide range of coverage options within a single auto policy. Find out more from Farmers Insurance.
What is uninsured motorist coverage?
Uninsured motorist coverage can help you pay for damages caused by a negligent driver. Learn more about UM coverage and how a Farmers auto policy can help you protect yourself.
