Switching Car Insurance: Getting the Best Coverage

Dec 8, 2023 | Personal Insurance

As the new year arrives, people often consider switching car insurance to save money and get better coverage. Yet finding the right policy that works for you and your family takes time and may require professional assistance. 

We’re here to help you get ahead in your search. Our experienced insurance professionals have helped countless customers find the right-sized car insurance for their ever-evolving needs. Let’s take a look at what’s involved in switching policies and how it can benefit you. 

What Should Car Insurance Cover?

Every policy is different, and being aware of what coverage you have available is essential for protecting your assets. When looking for a new policy, here are a few important features you may want to consider: 

  • Rental reimbursement 
  • Bodily injury liability 
  • Comprehensive coverage 
  • Collision coverage 
  • Roadside assistance 
  • Medical payments 
  • Uninsured/underinsured motorists coverage 
  • Property damage liability  

Why Do People Change Policies?

Changing insurance policies happens every day for a variety of reasons. Some of the most common motivations people have for switching car insurance include: 

  • Rate increases from the current provider
  • Buying a new car 
  • A change in marital or family status
  • A looming retirement 
  • Adding a teen or other new driver
  • A poor experience with an insurance provider
  • Eligibility for combining with home insurance

Switching Car Insurance in 4 Steps 

If you need to change your policy, follow these four steps to get started. 

1. Compare Your Options & Coverages

Look for insurance providers like Eber & Associates who take the time to understand your values and needs when it comes to protecting your assets and designing your coverages. You may need to consider a variety of companies to review what they offer, how much they charge, and their commitment to supporting their customers. Be sure to ask about limits and deductibles for each policy. 

2. Make Sure You Remain Covered 

Before canceling your current policy, take care to avoid any gaps in coverage. Driving without insurance is illegal in most states, so be sure to ask for confirmation of the new policy start date and ensure that your old policy covers you through that date.

3. Obtain Proof of Insurance 

Whether you use a printed or digital insurance card, be sure to have your card available whenever you are driving. Digital cards are accepted across the U.S. in 49 states as well as the District of Columbia. 

4. Update Your Leasing Company or Loan Provider

Many leasing agents and loan providers require comprehensive insurance as a part of the agreement. Let them know when you’ve changed carriers or if you have any modifications in your coverage.

Eber & Associates: Your New Car Insurance Provider 

When you meet with an agent from Eber & Associates, you’re working with a team with more than 20 years of industry experience. 

Your agent will help you understand all of your options to find the best policy for your needs and budget. Besides your home, your vehicle is one of your most valuable possessions. Being proactive with adequate car insurance will help prevent financial and repair setbacks. 

Be Confident When Switching Car Insurance

In the new year, enjoy new options for your insurance coverage with help from professionals who make your needs their priority. Rest assured you have the best insurance for you and your family. Eber & Associates is here to cover you through life for life. 
Ready to make the switch? Contact the Eber team today.