When to start
- About 45 days before renewal: request a new quote with your current policy in hand.
- About 30 days before: check the new quote against your renewal, coverage as well as price.
- Before the renewal date: switch or renew, making sure the new policy starts the day the old one ends.
Discounts to ask about
- Bundling auto with home, condo or tenant insurance.
- Winter tires on personal vehicles.
- Usage-based or telematics programs.
- Multiple vehicles on one policy.
- Driver training for new drivers.
- Approved anti-theft devices or trackers.
- Group or employer programs, if you qualify.
Coverage to review
- Is your vehicle still worth carrying collision coverage on?
- Would a higher deductible save more than it risks?
- Do you still need rental coverage if you have a second car?
- Is everyone who drives your car listed correctly?
- Has your commute or annual mileage dropped since you last updated your policy?
Common questions
Is it bad to switch insurers every year?
No. What matters is staying continuously insured and being honest on your application.
This guide is general information, not advice for your situation. Coverage depends on your insurer and your policy wording. Ask a licensed agent before making changes.