Switching Car Insurance Agents
The relationship you have with your auto insurance provider is just as important as the type of coverage you ultimately choose to purchase. You need to know that your agent is accessible any time you have questions or concerns, and you need to be able to trust him/her.
Evaluate your Current Agent and Provider
It's a good idea to periodically review your insurance coverage and make sure you are getting the best rates. It is also wise to keep track of how helpful your agent has been. If he/she has been too difficult to reach, will not work with you on coverage and rates, or just does not offer a personal enough relationship, you may want to switch to an agent with whom you feel more comfortable. Do not wait until you’ve been involved in an accident, for example, to evaluate this very important relationship. If at any point you just don't feel right about the situation, consider other agents or even providers, and determine if there is a better match out there for you.
Switching Providers
It is important to officially cancel your policy, because if you do not, your old provider may assume you've simply defaulted. They may eventually cancel your policy and report you to your state's Department of Motor Vehicles as an uninsured driver. Appearing to default on a contract can also damage your credit rating, making it more difficult to obtain coverage later. Most companies simply require that you notify them in writing and specify the effective date for the cancellation. In some instances, you do not have to wait until your policy’s expiration date to terminate the contract.
