A New Year brings a sense of renewal and the motivation to make positive changes. If you've been thinking about changing to a new car insurance provider, now is the time to do it. 

Making a change in your insurance coverage allows you to reassess your needs, save money, and improve benefits. *** Here are the steps you should take when switching car insurance providers so you can get the coverage that suits you best.

1. Assess your current coverage. Review your policy declaration page. Look at the types and levels of coverage, deductibles, and premiums. Have you had any changes in your circumstances, such as a new vehicle, changes in mileage, or updates to your driving habits? Understanding your current coverage and identifying areas for improvement will guide your search for a new insurance provider.

2. Compare quotes. Use online tools and resources to compare quotes from different insurance companies. Consider the coverage options, discounts, and customer reviews. While cost is a crucial factor, finding a provider that aligns with your specific needs is equally important.

3. Check for discounts. Explore potential discounts that align with your circumstances. These include safe driver discounts, multi-car discounts, good student discounts, or bundling discounts for combining your auto insurance with other policies like home or renters insurance. 

4. Research customer satisfaction. Research customer reviews and satisfaction ratings for the companies you are considering. Platforms like consumer review websites and social media can provide valuable reviews. A car insurance provider with a positive reputation for customer service ensures that you'll have a reliable insurer when you need to file a claim or seek assistance.

5. Notify your current provider. Be sure to check your current policy for any cancellation fees or notice periods required. Provide the necessary information to initiate the cancellation process, and make note of the effective date for the switch to your new car insurance company. A seamless transition between policies is essential to avoid any gaps in coverage.

6. Complete the application process. After notifying your current car insurance provider, proceed with the application process for your new car insurance policy. Provide details about your vehicle, driving history, and any other information required. Review the terms and conditions of the new policy carefully, ensuring that it aligns with the coverage and benefits you desire.

7. Cancel automatic payments. This step helps avoid unnecessary deductions from your account and ensures a clean break from your previous provider.

8. Keep documentation. Keep all relevant documentation, including your new policy details and confirmation of cancellation from your previous provider. These documents serve as crucial records in case of any inquiries or future changes.

9. Periodic policy reviews. Make it a habit to periodically review your car insurance policy. Changes in circumstances, such as a move, a new vehicle, or changes in driving habits, may require adjustments to your coverage. Regular policy reviews ensure that your insurance aligns with your current needs and circumstances.

10. Enjoy the benefits of a fresh start. Switching car insurance companies in the new year is a financial decision. Whether you're seeking improved coverage, cost savings, or improved customer service, the switch sets the tone for a year of enhanced peace of mind on the road.

Look at the New Year as an opportunity to make sure your car insurance premiums and coverages align with your needs. Make 2024 the year you take control of your car insurance and drive confidently into the future.

Lindquist Insurance can give you an auto insurance quote and provide the coverage you need, whether you drive a lot or not. Call (301) 694-0008 to speak to our experienced and licensed insurance agents for a consultation. 

We serve the Annapolis, MD, and Frederick, MD areas.

*** For more information on Maryland car insurance rates, visit the DMV website.