5 Signs it is Time to Change Your Auto Insurance

Car insurance is very important. There’s a lot that can go wrong when you take your car out for a drive. It is certainly a calculated risk. Having insurance can help protect you in situations where the worst happens. However, not every car insurance policy is equal. Some are better than others and may do a better job suiting your individualized needs. Don’t be afraid to switch plans or carriers if you can find a better deal. Below are five signs it may be time to change your car insurance.

Your Rates Keep Increasing

One reason to change your insurance coverage is if your rates keep going up. This is especially the case if you did nothing in particular to cause the rate increases. Some companies simply raise rates based on what demographics you belong too, and that can seem unfair. See if you can get an insurance quote for lower rates with the same kind of coverage elsewhere.

You Receive Poor Customer Service

The most important thing about your car insurance is the actual coverage. However, customer service should also be important. Poor customer service from indignant insurance representatives can also be a telling sign that you may have trouble filing a claim later on.

Filing a Claim Is Difficult

The only reason to pay insurance premiums is the promise that you’ll be able to file a claim when something goes wrong. There are some shady insurance companies out there that try to make the process of filing a claim as difficult as possible. If that is the case with your insurer, you should find better options.

You’re Buying a New Car

If you are looking for a new car to buy, you should also consider looking for a new company to insure it with. Sticking with your old insurer even after you change vehicles may not be wise. You may end up missing many of the discounts you would get with a new insurer.

Your Situation Changes

Insurance companies charge drivers different rates based on certain criteria. If you are moving, getting married or your teen starts driving, you may see rate increases. Young men pay the most for car insurance. Look for quotes from other companies to see if you can avoid these increases.

It’s important to have car insurance. However, you shouldn’t be satisfied with lousy coverage or poor customer service. The auto insurance market is large. Look around until you can find the best deal for the best coverage.