You want to keep as much of your money as you can and you need to go after the best possible deals you can find. That includes securing the best possible rates for automobile insurance. But what should you do after you turn up a better option? What is the easiest way to change car insurance companies or find cheap car insurance right for you.
The process itself isn’t that intimidating. Here’s a three-step guide to getting things done.
First, read your existing policy and/or contact the insurer to find out what the cancellation provisions are before doing anything else. The procedures are fairly well governed and you’re unlikely to find anything too onerous, but it’s good to get things underway with a clear sense of your rights.
Second, secure the new coverage before cancelling your existing coverage. You don’t want to be uninsured at any point and you don’t want to be left without an insurer if something should happen with your new, cheaper provider. Get things in place with your new provider before dropping your current company.
Third, contact your original insurer and let them know that you’d like to cancel the policy. You can usually initiate this interaction via a telephone call to your agent. In some cases, you may need to go through an 800 number. In any case, make contact right away and cancel the policy. Some companies may require you to put something in writing or to complete a form to effectuate the cancellation. Determine their specific standards and act accordingly.
Fourth, follow up as necessary. If you’ve paid for a period of coverage in advance that you won’t be using, you can expect a pro-rated refund. Check with your previous insurer on a consistent basis until those funds are received. Also, request written verification of your earlier policy’s cancellation. You don’t want to be hit with unnecessary bills or credit history issues associated with their non-payment.
Following these four steps should be the easiest way to change car insurance companies and to start saving on your monthly insurance bill.
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