When youre more informed about your current coverage, it can help you become a smarter shopper. The declarations page describes the insurance you have, including the amount of coverage as well as coverage limits, and the amount of your deductible, he says. Knowing what you currently have will make it easier to create apples-to-apples comparisons with the rates you receive from different insurers.Īn easy way to do this is to study your current policys declarations page, says Vaughn Graham, president of Rich and Cartmill insurance company in Tulsa, Oklahoma.
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Youll also likely be asked about the number of drivers on the policy, your driver license information, and the insurance coverage and limits youd like to purchase.
Take note of your driving circumstances as well as the needs of other drivers in your household.ĭo you have a newer model car Do you commute several miles each week to work Do you have recent traffic tickets According to the National Association of Insurance Commissioners (NAIC), your potential new insurance company may ask you all of these questions as part of the underwriting process. Here are four key steps to take when it comes to switching car insurance: 1. Jeanne Salvatore, senior vice president at the Insurance Information Institute in New York, suggests asking yourself if youre happy with the cost, coverage and service of your current policy each time it comes up for renewal.īut if youre not sure, its a good opportunity to shop around, she says.