How to change car insurance

If you're interested in switching car insurance companies, you won't have to wait for your current policy to expire. You can change car insurance plans anytime, whether you purchased your policy two days or two months ago. Here are some key tips for switching insurers:

  1. Thoroughly compare policies

    Another insurance company may offer a cheaper rate, but they may not be offering the same amount of coverage you had previously. Comparing coverages, limits, and deductibles is just as crucial as comparing car insurance rates. Trading valuable protection to save a few dollars in the short term may cost you more money down the road.

  2. Find out how your new insurer handles claims

    Affordability is important to all when it comes to car insurance coverage, but your auto insurance company should be judged on how well they handle claims. The price difference may not be worth it if your new insurer isn't available 24/7 or struggles to provide exceptional service when you file a claim.

  3. Avoid a gap in coverage

    Even for just a day, you never want to have a lapse in car insurance coverage. If you plan to cancel your current policy, make sure your new insurance policy is already in effect. Continuous coverage could also help you save with your new insurer. At Progressive, we honor the time you've been with your previous insurance company by awarding you a continuous insurance discount.

  4. Remember to cancel your old auto insurance policy

    It's typically your responsibility to cancel coverage with your previous insurer. Your new insurance company can provide proof of insurance to your old company if necessary, but they generally aren't authorized to cancel a policy with another insurer on your behalf. After you purchase a new policy, you should immediately contact your former insurer and cancel your old policy. You'll receive a refund for any unused portion of your policy.

Changing car insurance companies? Check us out.

Progressive offers several ways to seamlessly switch your auto insurance:


Answer easy questions, choose your coverages, and get proof of insurance instantly.

Call a rep

Speak with a licensed representative who can customize a new policy to your exact needs.

Through an agent

Connect with a local agent in your neighborhood.