A Car Owner’s Guide to Switching Insurance Companies

There are many reasons why a car owner may decide to switch insurance companies. Whether you are looking for a different type of service, moving out of state, or purchasing a new vehicle, finding a new insurance company can be a relatively easy process. If you are considering switching your insurance company, here is a comprehensive guide:

Decide What Type of Insurance You Need

When switching to a new insurance company, it is important to decide what type of car insurance will best meet your needs. With Liability Insurance, you will be protected in the event of an accident where you are at fault. Other types of insurance include Uninsured Motorist Coverage and Personal Injury Protection, which will cover any damages to you, your vehicle, and anyone involved in an accident with your vehicle.

Provide Sufficient Notice

Depending on your insurance company and policy, you may need to provide written notice of your cancellation. Check your policy to see if you will need to pay a cancellation fee or if you are allowed to cancel at any time. Typically, providing written notice at least four weeks before you plan to cancel will give you enough time to pay your final bill with your previous company before you switch to your new plan.

Ensure That There is No Gap in Coverage

Every driver is required by law to be covered by car insurance. When you switch insurance companies, make sure that there will be no gap in your insurance coverage. If there is a gap in your insurance coverage, you may be labeled as a high-risk applicant. This can raise your premium and increase your overall insurance costs.

At Michael J’s Body Shop, we have direct relationships with many of the car insurance companies in the San Jose area. If your vehicle is in need of collision repair or body work, we will work with your insurance company to ensure that you have a great experience at our shop. To learn more about our collision repair services in the Bay Area, call 408-279-2070.