How to Change Car Insurance Provider in Colorado

We’re all creatures of habit. It’s particularly easy, when the time rolls around to renew your auto insurance, to keep signing that policy (or clicking "agree") year after year. But sometimes change is best for your coverage and your pocketbook.

Some experts recommend shopping around for auto insurance every two years just to see if you can find a better deal. Often you can. These tips will help you figure out whether it’s time to change insurance provider services in Colorado and if so, how to streamline the process.

1. Compare Quotes

Go shopping for insurance like it’s your first time buying a policy. Thankfully, that doesn’t mean taking hours of your time; a few clicks can get you a number of quotes from different insurance companies. That’s one benefit of working with an independent local agent: they work on your side to help find you the best rate, no matter which company it comes from.

2. Talk to Your Agent

Often, hinting at changing insurance providers is enough to give your existing company incentive to offer you a better deal. They want to keep your business, so they might just be willing to give you a steep discount.

3. Be Careful about Coverage Gaps

Switching providers early can leave you with pricey cancellation fees. And if you’re not careful to make sure your start and ending dates line up, you could accidentally end up driving uninsured for a length of time while you wait for the new policy to go into effect. So read the fine print and make sure you check the dates and details of a new policy before you cancel the old one.

As your independent Colorado insurance agent, we work with people every month who are looking for a better deal and better customer service. It can’t hurt to shop around and see what’s available, and when it comes to buying car insurance, you won’t regret taking the time to make a smart choice.