If you're located in Frederick, Annapolis, or Washington, DC, here’s everything you need to know about how to switch your car insurance the right way—with help from a local expert who understands your needs.

1. Know Why You're Switching. Before you make the switch, it's helpful to know why you're considering a change. Some of the most common reasons include:

• High premiums
• Poor customer service
• Limited coverage options
• Life changes like moving, buying a new car, or adding a driver.
• Better value found through other providers
• Knowing your reason helps your insurance agent find a policy that better fits your lifestyle, budget, and driving habits.

2. Work with a Local Insurance Agent You Can Trust. Choosing an independent insurance agent in Frederick, Annapolis, or Washington, DC gives you access to multiple insurance companies—not just one. Unlike agents who work for a single brand, independent agents can compare quotes and coverage options from several top carriers to find what works best for you.

• Personalized service — You’re not just a policy number.
• Local knowledge — Agents understand regional risks and requirements.
• Expert guidance — They can explain coverage in simple terms.
• Ongoing support: Your agent is there if your needs change later.

At Lindquist Insurance, we take pride in helping our Maryland and DC neighbors get the coverage they need—without the headache.

3. Gather the Right Information. Your insurance agent will make switching easy, but you'll need to provide a few things:

• Current insurance policy details (so they can match or improve it)
• Driver’s license(s) for all drivers in the household
• Vehicle information (make, model, year, VIN)
• Driving history (accidents, violations, etc.)
• Desired coverage types (liability, comprehensive, collision, etc.)

4. Compare Quotes and Coverage Options. Your agent will present a few options, explaining the pros and cons of each. This is where their expertise comes in handy.

• Premium costs
• Deductibles
• Coverage limits
• Add-ons like roadside assistance or rental car coverage
• Discounts you may qualify for (safe driver, bundling, etc.)
• Don’t just focus on the cheapest price. Make sure you understand what’s covered—and what’s not—so there are no surprises down the road.

In Maryland and Washington, DC, a lapse in coverage—even for a day—can result in fines or license suspension. Avoid the risk by letting your agent handle the transition.

6. Cancel Your Old Policy (The Right Way). Once your new policy is active, your agent can help you cancel your previous insurance. Most companies require this in writing, and it's important to get confirmation of cancellation.

Be sure to:

• Ask for a cancellation letter or email
• Double-check your billing to make sure no extra payments are taken.
• Save your proof of insurance switch for your records.

• Vehicle registration (especially if you’ve moved)
• Your employer (if they require it)
• Financing company (if your car is leased or financed)
• It’s also a good idea to keep a printed and digital copy in your glovebox or phone—just in case.

8. Enjoy Better Coverage and Service. The best part of switching with the help of an agent? Peace of mind.

You’ll know your policy was chosen by someone who understands local laws, insurance carriers, and what matters when you’re on the road in Maryland or DC.

At Lindquist Insurance, we’re here to help you with your car insurance now and in the future. If you're thinking about switching your car insurance and live in Frederick, Annapolis, or Washington, DC, now is the perfect time to reach out. At Lindquist Insurance, our friendly local agents make the process simple, fast, and tailored to you. We’ll compare top providers, explain your options, and guide you every step of the way.

Call Lindquist Insurance today at (301) 694-3008 or visit www.lindquisinsurance.com to request a free, no-obligation quote. 

We serve the Frederick, MD; Annapolis, MD; and Washington, D.C. areas. 

*** For more information, visit the state website for rules on Maryland car insurance coverage.