{"id":7381,"date":"2021-11-17T10:43:54","date_gmt":"2021-11-17T10:43:54","guid":{"rendered":"https:\/\/testweb.fredloya.com\/?p=7381"},"modified":"2025-07-31T22:43:28","modified_gmt":"2025-07-31T22:43:28","slug":"switch-car-insurance","status":"publish","type":"post","link":"https:\/\/www.fredloya.com\/switch-car-insurance\/","title":{"rendered":"How To Switch Car Insurance Companies In 9 Easy Steps"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_79_2 counter-flat ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Find Out More About:<\/p>\n<label for=\"ez-toc-cssicon-toggle-item-69a46d3a0dd85\" class=\"ez-toc-cssicon-toggle-label\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/label><input type=\"checkbox\"  id=\"ez-toc-cssicon-toggle-item-69a46d3a0dd85\"  aria-label=\"Toggle\" \/><nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.fredloya.com\/switch-car-insurance\/#Why_Switch_Your_Car_Insurance\" >Why Switch Your Car Insurance?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.fredloya.com\/switch-car-insurance\/#When_To_Switch_Your_Car_Insurance\" >When To Switch Your Car Insurance<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.fredloya.com\/switch-car-insurance\/#How_To_Switch_Car_Insurance_Companies_In_9_Steps\" >How To Switch Car Insurance Companies In 9 Steps<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.fredloya.com\/switch-car-insurance\/#How_To_Change_Your_Car_Insurance_To_Fred_Loya_Insurance\" >How To Change Your Car Insurance To Fred Loya Insurance<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.fredloya.com\/switch-car-insurance\/#Key_Takeaways_On_Changing_Your_Car_Insurance\" >Key Takeaways On Changing Your Car Insurance<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Why_Switch_Your_Car_Insurance\"><\/span>Why Switch Your Car Insurance?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>59% of drivers in the United States say they would change their insurance company if switching allowed them to save a minimum of $250 per year, according to a survey conducted by carinsurance.com.<\/p>\n<p>The same survey also found that switching to a new company could lead to a potential annual saving as high as <a href=\"https:\/\/www.carinsurance.com\/Articles\/how-to-switch-car-insurance.aspx\" target=\"_blank\" rel=\"noopener\">$1,647<\/a>\u2014an average of 178% for a comprehensive &amp; collision auto insurance policy.<\/p>\n<p><strong>Would you switch your car insurance, if you knew it<\/strong> <strong>could save you a significant amount of money per year?<\/strong><\/p>\n<p>We\u2019ll share why, when and how to switch car insurance companies, plus explain how you can benefit from <strong>cheaper insurance rates with Fred Loya Insurance.<\/strong><\/p>\n<p>The main benefit of changing car insurance companies is the possibility of a reduced premium. If your rates have gone up, shopping around for quotes from different auto insurance providers can help you find a new company that offers the coverage you need at a more affordable rate.<\/p>\n<p>In addition to a lower premium, different insurance companies offer different benefits. For example, the <strong>benefits at Fred Loya Insurance<\/strong> include flexible payment options, mobile alerts and numerous discounts based on your driving record, prior insurance, vehicle safety features and more.<\/p>\n<p>&nbsp;<\/p>\n<p><span data-contrast=\"auto\">Researching alternative car insurance companies can help you find a provider that perfectly\u00a0<\/span><span data-contrast=\"auto\">matches your needs and budget &#8211; especially when you&#8217;re planning on making changes to your coverage.\u00a0<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<p>Yet according to a recent survey, around <a href=\"https:\/\/www.reviews.com\/insurance\/car\/drivers-dont-shop-around-for-insurance\/\" target=\"_blank\" rel=\"noopener\">40%<\/a> of drivers say they don\u2019t compare quotes and shop around for auto insurance as often as they should, even though it could save them money.<\/p>\n<div class=\"single-content-button__content\"><\/div>\n<div class=\"single-content-button__button\">\n<div class=\"single-content-button\">\n<div class=\"single-content-button__decor\"><\/div>\n<div class=\"single-content-button__content\">\n<p><strong class=\"single-content-button__title\">Call <a href=\"tel:1-800-444-4040\">1-800-444-4040<\/a><\/strong><\/p>\n<p class=\"single-content-button__text\">and get a quote for your car insurance today.<\/p>\n<\/div>\n<div class=\"single-content-button__button\"><a class=\"btn btn-primary\" href=\"tel:1-800-444-4040\"> <span class=\"single-content-button__button-icon\">Request Quote<\/span> <\/a><\/div>\n<\/div>\n<\/div>\n<h2><span class=\"ez-toc-section\" id=\"When_To_Switch_Your_Car_Insurance\"><\/span>When To Switch Your Car Insurance<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>When is the best time to change your car insurance company? If any of these situations apply to you, you could potentially benefit from finding a new provider with lower rates or better benefits:<\/p>\n<h3>1. Your Policy Is About To Renew<\/h3>\n<p>If you\u2019ve had your policy for a while, there might be more competitive offers on the market or even new insurance agencies in your area that are offering promotional rates.<\/p>\n<h3>2. You Had A Bad Experience Filing A Claim<\/h3>\n<p>Whether you experienced an unfriendly or uncooperative attitude, your company was slow to file your claim, or you encountered other issues, it might be worth looking for a different agency you can trust.<\/p>\n<h3>3. You Plan To Buy A New Vehicle<\/h3>\n<p>When you purchase a new car, it\u2019s always a good idea to opt for Comprehensive and Collision coverage so you can protect your investment. You might be able to find more affordable rates at another company, and even find a company that offers a new car discount \u2013 like we offer at Fred Loya Insurance!<\/p>\n<h3>4. You Are Moving<\/h3>\n<p>If you\u2019re moving to a state where your current car insurance company doesn\u2019t operate, you\u2019ll need to find a new provider.<\/p>\n<p>If you\u2019re moving within the state, it still might pay off to check quotes from other companies. Location is one of the factors that affects your rate, so a new city might give you the opportunity to reduce your premium with a different provider.<\/p>\n<h3>5. You Are Getting Married<\/h3>\n<p>If you and your partner are with different insurance companies and you\u2019re getting married, combining your policy at the same company could lower your rate through marriage discounts and multi-car discounts.<\/p>\n<h3>6. Your Child Is A Teen Driver<\/h3>\n<p><span class=\"TextRun SCXW94552656 BCX0\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW94552656 BCX0\">Adding a teen to your policy can substantially increase your premium. If it&#8217;s time to add your teen driver to your policy, it may be worth shopping around to search for the best deal.<\/span><\/span><span class=\"EOP SCXW94552656 BCX0\" data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<h3>7. You Plan To Increase Or Reduce Coverage<\/h3>\n<p><span class=\"TextRun SCXW3680905 BCX0\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW3680905 BCX0\">You may be planning to increase or decrease your coverage for different reasons. For example, maybe you&#8217;re retiring and your daily commute is about to become history. <\/span><\/span><\/p>\n<p><span class=\"TextRun SCXW3680905 BCX0\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW3680905 BCX0\">Or maybe you just paid off your car and you&#8217;ve decided you don&#8217;t need as much coverage anymore.\u00a0<\/span><\/span><span class=\"EOP SCXW3680905 BCX0\" data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<p>Regardless of your exact situation, shopping around for an insurance company that offers customized policies, like Fred Loya Insurance, could save you a significant amount of money on your premium.<\/p>\n<h3>8. You See Drastic Changes In Your Credit Score<\/h3>\n<p>Your credit history is among the factors that can affect your insurance premium. If you see a substantial increase or decrease in your credit score, you may want to get quotes from different providers to find the best rate.<\/p>\n<figure id=\"attachment_6073\" aria-describedby=\"caption-attachment-6073\" style=\"width: 900px\" class=\"wp-caption aligncenter\"><img fetchpriority=\"high\" decoding=\"async\" class=\"wp-image-6073 size-full\" src=\"https:\/\/testweb.fredloya.com\/wp-content\/uploads\/2021\/11\/how-to-switch-car-insurance-process.jpg\" alt=\"A woman looking for auto insurance on her laptop\" width=\"900\" height=\"550\" srcset=\"https:\/\/www.fredloya.com\/wp-content\/uploads\/2021\/11\/how-to-switch-car-insurance-process.jpg 900w, https:\/\/www.fredloya.com\/wp-content\/uploads\/2021\/11\/how-to-switch-car-insurance-process-300x183.jpg 300w, https:\/\/www.fredloya.com\/wp-content\/uploads\/2021\/11\/how-to-switch-car-insurance-process-768x469.jpg 768w\" sizes=\"(max-width: 900px) 100vw, 900px\" \/><figcaption id=\"caption-attachment-6073\" class=\"wp-caption-text\">There are several situations in which shopping around for a new car insurance company can be highly beneficial \u2013 from getting married to retiring or adding a teen driver to your policy<\/figcaption><\/figure>\n<h2><span class=\"ez-toc-section\" id=\"How_To_Switch_Car_Insurance_Companies_In_9_Steps\"><\/span>How To Switch Car Insurance Companies In 9 Steps<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>When switching car insurance companies, it\u2019s important to set up your new policy before cancelling your current one.<\/p>\n<p>If there is a gap and you\u2019re left <a href=\"\/how-much-is-a-ticket-no-insurance\/\" target=\"_blank\" rel=\"noopener\">driving uninsured<\/a> for any period of time, you can face serious consequences; from a license suspension to monetary fines and more. Here\u2019s our step-by-step guide on how to switch car insurance companies:<\/p>\n<h3>1. Collect Quotes And Compare Them<\/h3>\n<p>Shop around to check offers from insurance companies in your area and find out what kind of rates you can get for the coverage you need. Compare coverage options, discounts and other benefits, in addition to premiums.<\/p>\n<p>Start your search by finding a Fred Loya Insurance office that is near you and ask our agents for a quote!<\/p>\n<h3>2. Research The Company You Want To Move To<\/h3>\n<p>Read customer reviews regarding the handling of claims, speed of processing the claim, reputation, customer service and more. This will help you choose a car insurance company you can trust.<\/p>\n<h3>3. Contact Your Current Insurance Company<\/h3>\n<p>If you contact your current insurance company to let them know you are considering a move, they may offer you a lower rate to match or even beat quotes from other companies.<\/p>\n<h3>4. Purchase Your New Policy<\/h3>\n<p>After you decide on the start date of your policy, you can purchase the policy so it\u2019s active.<\/p>\n<h3>5. Cancel Your Old Policy<\/h3>\n<p>When you cancel your old policy, don\u2019t forget to ask about cancellation fees and refunds. Typically, you will be refunded for the remaining time left on your policy that you won\u2019t use.<\/p>\n<h3>6. Ensure Confirmation On Your Policy Cancellation<\/h3>\n<p><span class=\"TextRun SCXW197109638 BCX0\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW197109638 BCX0\">Mistakes do happen, so make sure you have your cancelation in writing.\u00a0<\/span><span class=\"NormalTextRun SCXW197109638 BCX0\">Confirmation<\/span><span class=\"NormalTextRun SCXW197109638 BCX0\">\u00a0of cancelation will help you avoid automatic renewal and other fees.<\/span><\/span><span class=\"EOP SCXW197109638 BCX0\" data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<h3>7. If You Have A Car Loan Or Lease, Notify Your Lender<\/h3>\n<p>Your lender may require you to have a specific amount or type of coverage because they have a financial stake in your vehicle. Ask your new insurance company to send evidence of your new insurance to your lender to make sure they have updated information.<\/p>\n<h3>8. Change Your ID Card<\/h3>\n<p>Most states provide digital proof of insurance, and many insurance companies allow you to download a digital ID card on your phone. Do this right away so you don\u2019t forget and end up being stopped without proof of insurance.<\/p>\n<h3>9. Review Your Active Policy Regularly<\/h3>\n<p>This simple action will help you stay on top of renewal dates, special conditions, avoidable fees and more.<\/p>\n<figure id=\"attachment_6076\" aria-describedby=\"caption-attachment-6076\" style=\"width: 900px\" class=\"wp-caption aligncenter\"><img decoding=\"async\" class=\"size-full wp-image-6076\" src=\"https:\/\/testweb.fredloya.com\/wp-content\/uploads\/2021\/11\/how-to-switch-car-insurance-Fred-Loya-Insurance.jpg\" alt=\"A group of friends in a car\" width=\"900\" height=\"550\" srcset=\"https:\/\/www.fredloya.com\/wp-content\/uploads\/2021\/11\/how-to-switch-car-insurance-Fred-Loya-Insurance.jpg 900w, https:\/\/www.fredloya.com\/wp-content\/uploads\/2021\/11\/how-to-switch-car-insurance-Fred-Loya-Insurance-300x183.jpg 300w, https:\/\/www.fredloya.com\/wp-content\/uploads\/2021\/11\/how-to-switch-car-insurance-Fred-Loya-Insurance-768x469.jpg 768w\" sizes=\"(max-width: 900px) 100vw, 900px\" \/><figcaption id=\"caption-attachment-6076\" class=\"wp-caption-text\">Switching to Fred Loya Insurance is fast, easy and hassle-free<\/figcaption><\/figure>\n<h2><span class=\"ez-toc-section\" id=\"How_To_Change_Your_Car_Insurance_To_Fred_Loya_Insurance\"><\/span>How To Change Your Car Insurance To Fred Loya Insurance<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>As an auto insurance leader with 45+ years of history and thousands of satisfied customers, at <a href=\"\/about\/\">Fred Loya Insurance<\/a> we offer car insurance policies customized to your needs and budget.<\/p>\n<p>Visit our offices to get information about everything we offer: the minimum insurance requirements for your state, additional <a href=\"\/car-insurance-coverage\/\" target=\"_blank\" rel=\"noopener\">coverage<\/a> options, <a href=\"\/car-insurance-discounts\/\" target=\"_blank\" rel=\"noopener\">discounts<\/a> you can qualify for and the benefits we offer!<\/p>\n<p>Our offices are located in shopping malls and supermarkets in 12 U.S. states:<\/p>\n<ul>\n<li><a href=\"\/state\/car-insurance-alabama\/\" target=\"_blank\" rel=\"noopener\">Alabama<\/a><\/li>\n<li><a href=\"\/state\/car-insurance-arizona\/\" target=\"_blank\" rel=\"noopener\">Arizona<\/a><\/li>\n<li><a href=\"\/state\/car-insurance-california\/\" target=\"_blank\" rel=\"noopener\">California<\/a><\/li>\n<li><a href=\"\/state\/car-insurance-colorado\/\" target=\"_blank\" rel=\"noopener\">Colorado<\/a><\/li>\n<li><a href=\"\/state\/car-insurance-georgia\/\" target=\"_blank\" rel=\"noopener\">Georgia<\/a><\/li>\n<li><a href=\"\/state\/car-insurance-illinois\/\" target=\"_blank\" rel=\"noopener\">Illinois<\/a><\/li>\n<li><a href=\"\/state\/car-insurance-indiana\/\" target=\"_blank\" rel=\"noopener\">Indiana<\/a><\/li>\n<li><a href=\"\/state\/car-insurance-new-mexico\/\" target=\"_blank\" rel=\"noopener\">New Mexico<\/a><\/li>\n<li><a href=\"\/state\/car-insurance-nevada\/\" target=\"_blank\" rel=\"noopener\">Nevada<\/a><\/li>\n<li><a href=\"\/state\/car-insurance-ohio\/\" target=\"_blank\" rel=\"noopener\">Ohio<\/a><\/li>\n<li><a href=\"\/state\/car-insurance-oklahoma\/\" target=\"_blank\" rel=\"noopener\">Oklahoma<\/a><\/li>\n<li><a href=\"\/state\/car-insurance-texas\/\" target=\"_blank\" rel=\"noopener\">Texas<\/a><\/li>\n<\/ul>\n<p>When you switch to Fred Loya Insurance, it\u2019s fast, easy and hassle-free.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Key_Takeaways_On_Changing_Your_Car_Insurance\"><\/span>Key Takeaways On Changing Your Car Insurance<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Switching to a new car insurance company can help you save a significant amount of money on your premium, and offer better options for additional coverage, benefits, discounts, payment options and more.<\/p>\n<p>To make the best choice, shop around and compare all of the offers in your area. Remember not to cancel your current policy until your new one is active.<\/p>\n<p>At Fred Loya Insurance, our experienced agents will help you every step of the way to make your move fast and easy, and find you a more affordable rate for your policy. Visit our offices to get more information about what we have to offer!<\/p>\n<div class=\"single-content-button\">\n<div class=\"single-content-button__decor\"><\/div>\n<div class=\"single-content-button__content\">\n<p><strong class=\"single-content-button__title\">Call <a href=\"tel:1-800-444-4040\" rel=\"noopener\">1-800-444-4040<\/a> <\/strong><\/p>\n<p class=\"single-content-button__text\">Looking for low car insurance rates?<\/p>\n<\/div>\n<div class=\"single-content-button__button\"><a class=\"btn btn-primary\" href=\"tel:1-800-444-4040\"> <span class=\"single-content-button__button-icon\">Request Quote<\/span> <\/a><\/div>\n<\/div>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Why Switch Your Car Insurance? 59% of drivers in the United States say they would change their insurance company if switching allowed them to save a minimum of $250 per year, according to a survey conducted by carinsurance.com. The same survey also found that switching to a new company could lead to a potential annual&#8230;<\/p>\n","protected":false},"author":10,"featured_media":6070,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[6],"tags":[],"class_list":["post-7381","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-all-resources"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>How To Switch Your Car Insurance<\/title>\n<meta name=\"description\" content=\"Wondering how to switch car insurance companies? 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