5 Signs You Should Get a New Auto Insurance Policy

When was the last time you enjoyed dialing a 1-800 number for information on your insurance policy? How about receiving a bill nearly as long as that 1-800 number for your car insurance even though your driving record is clean? 

Whether we like it or not, our auto insurance policies aren’t as simple as one could hope. If you haven’t taken a look at your policy in a while, there’s a good chance there is some room for improvement. You’d be surprised that the process for attaining a new policy isn’t as daunting as digesting your existing one. 

Don’t let these doubts deter you from shopping for a new car insurance policy. Here are 5 signs that show you it’s time to look at other options and put what matters to you first. 

1. Your Rates Are Skyrocketing


The average cost of a car insurance policy in the United States is $1,348. If you notice your premium is through the roof and your driving record continues to be clean, say good riddance to that insurance provider. However, additional factors such as age, gender, and the type of vehicle you drive are factors that play into the price evaluation of your policy.  

In today’s world, the resources at hand make it as easy as two swipes and a click to browse and purchase a car insurance plan. Our tip to you to obtain multiple quotes and let these providers know you’re getting a better plan elsewhere. They want your business, and you want a better rate. Some companies may be willing to be more flexible with the price if they know you’re looking elsewhere.

2. New Year, New Policy

All of us like to think that with loyalty comes reward, right? Wrong– especially if we’re talking about auto insurance. It’s time to stop letting another calendar year roll by without checking our existing policy and potentially buying a new one. Staying with the same insurance company for years at a time almost never guarantees a locked-in rate for the driver. 

Insurance providers are constantly running lower rates, promotions, and better plans depending on the year and especially on the well-being of the economy. Consider this global pandemic and drive your vehicle less. There’s a discount for that! 


3. The Coverage Is Not Ideal

The leading factor in switching auto insurance providers is the amount of coverage received. If the coverage plan you’re seeing isn’t as nice as it sounds especially for the pretty penny coming out of your wallet, it’s time to seek out better coverage. 

A handful of reasons can prompt you to to start looking for better coverage, it doesn’t necessarily have to do with the provider you’re with. Take the time to research the different types of auto insurance coverage plans out there. 

4. Help Desk? What Help Desk?

Consumers are motivated by the service they receive as efficiently as possible. Luckily, most insurance companies have somewhat mastered the concept of answering phones and putting their consumer first.

If you’re fed up with long phone calls, unanswered emails, and poor customer support, it’s time to search for a better solution concerning your insurance needs. Consider reading the reviews of multiple providers and placing more emphasis on the level of customer satisfaction they’ve had. 

5. It’s 2020, Is There An App For That? 

If your current auto insurance provider doesn’t have online tools available, they’re most likely entering the game a little late. “Personal admin” tasks such as scheduling appointments and paying bills have become a digitized part of our everyday life. 

It is extremely important that an auto insurance provider has a working website or app that can properly supply you (the consumer) with all of the information you need on the products and services they offer. 

Never underestimate the chance that you can get a better value for your money or experience with another auto insurance provider. Use these 5 signs to guide your decision-making process and take the time to learn about new policies, quotes, and reputable insurance providers. 

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