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  Switching Auto Insurance  

How To Switch Auto Insurance
1. End-Of-Term Is Best. Auto insurance comes in six-month terms.  If you switch mid-term, a small extra fee might be required.  But often the savings from the switch will more than cover this fee.
2. Check out several insurers. In addition to checking out InsWeb and Progressive, look at the insurers most highly rated by J. D. PowerUSAA is top-rated but is available only to military families, while Amica achieves low rates by being very selective about who they insure.  You can visit your state's online insurance site to search their records concerning the cost and reliability of insurers.  Find this site on Google:  For example residents of Washington can search for "washington state insurance."
3. Contact your current insurer. You might be able to save money by amending your policy, for example by dropping some unnecessary coverages.
4. Switch smoothly. Follow the cancellation steps as outlined in your insurance policy.  The notice to your current insurer must be in writing.  Be certain that the new policy begins on the same date that the old one is being terminated.  To avoid any lapses, It's best to ensure the starting date of the new policy first, then have the old one terminated on the same date.

(Next Gem: Switch Life Insurance And Save)

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