Once I buy the policy, will I ever need to change my insurance coverage?

Human beings are constantly in a state of evolution. You aren’t the same person you were five years ago, and there’s a very good chance that your automobile insurance isn’t the same as it was back then either. You may have moved or sold your car. Your children may have grown up and left the nest. These are all events that would require you to make changes to your insurance policy.

Now, this might have you thinking, “Can I keep my auto insurance rates and change my insurance coverage at the same time?”

Perhaps, but sometimes updating your insurance coverage could mean that your rates decrease, and that is never a bad thing. Keep reading if you want the answer to questions like, “Do I need to contact my auto insurance company to change my insurance coverage?” or “When can you change your insurance?”

If you’ve ever wondered, “How can I change my insurance coverage?” you can enter your ZIP code to get free insurance quotes right away.

When do drivers need to change their insurance coverage?

When should I change my insurance plan?

That’s a question that a lot of drivers ask themselves, and it’s important to note that there are many events that could induce you to make changes to your insurance plan. If you have a teenage son who has just gotten his license, for example, you would need to add him to your policy as a driver if he would be driving one of your vehicles regularly.

You’ll also be required to update your policy if you were to buy a new car, wanted to reduce your coverage limits on an older vehicle, or if you wanted to add on a discount that you weren’t previously qualified for.

Read more:

• How quickly do changes I make to my policy go into effect?
• Is it a bad idea to remove a car from your insurance?
• If I want to add a driver or vehicle to my insurance, do I need to start a new policy?
• Car Insurance When You Move

How Drivers Can Change Their Insurance Coverage

Now you may be wondering, “Can I change my car insurance coverage at any time?”

With today’s technology, you certainly can, and you won’t have to conduct an internet search for “how to change my insurance plan” ever again.

Drivers can typically make changes in one of three ways. They can either contact their insurance representative directly, call their insurance company’s 24-hour customer service line, or access their policy online through the company website or a mobile app.

This allows you to make updates to your coverage options on your schedule so you won’t have to worry about taking time off work to call your insurance representative if it’s not convenient. Of course, if you would prefer to speak to someone about the changes you’re thinking of making before anything is finalized, you have that option available to you as well.

But can I change my insurance plan mid-year? Yes, no matter the time of day or year, if you need to update your policy, you are well within your rights to do so.

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When should drivers switch to a new insurance company?

If you want to know if you can switch insurance (read our “How to Switch Auto Insurance Companies” for more information) at any time, you’ll be happy to hear that, yes, you can.

For example, let’s say that you currently purchase your auto insurance from a small insurance company that only does business in Georgia and Kentucky, but you plan on moving to Alaska. Such a move would require you to shop online for a new policy altogether

Also, if you find a cheaper policy that offers you better coverage online, you can switch to that new company whenever you would like. If you’re currently on the hunt for a new insurance company, feel free to use the data table below as a guide to help you find the best insurance company for your demographic:

Insurance Provider	Single 17-year-old female	Single 17-year-old male	Single 25-year-old female	Single 25-year-old male	Married 35-year-old female	Married 35-year-old male	Married 60-year-old female	Married 60-year-old male
Allstate	$9,702.39	$11,687.90	$4,498.53	$4,674.05	$3,644.62	$3,668.74	$3,595.93	$3,595.93
American Family	$8,606.74	$11,338.72	$4,508.70	$5,172.72	$3,076.88	$3,440.54	$2,918.23	$3,357.40
Geico	$5,977.56	$6,157.76	$2,937.45	$2,902.58	$2,717.10	$2,944.34	$2,638.90	$3,023.87
Nationwide	$6,664.22	$8,542.40	$2,762.74	$2,985.74	$2,350.64	$2,387.13	$2,080.17	$2,198.96
Progressive	$10,399.12	$11,605.52	$2,927.41	$2,965.04	$2,473.67	$2,345.40	$2,202.78	$2,243.60
State Farm	$5,378.84	$6,859.94	$2,421.28	$2,488.98	$2,223.31	$2,223.31	$1,985.80	$1,985.80
USAA	$4,775.09	$5,170.04	$2,235.59	$2,376.51	$1,683.17	$1,685.90	$1,619.86	$1,600.72

No two insurance companies are the same so it’s important to get multiple quotes when you start shopping for insurance so you can find the best company that offers great coverage and excellent money-saving opportunities.

How can drivers keep their rates low?

Can I keep my affordable auto insurance and change my insurance plan?

While some changes to your insurance policy could increase your rates, like purchasing more coverage, there are ways that you can reduce your insurance rates. Take a look at these discounts offered by some of the top insurance companies in the business that you can use to help reduce your rates:

Auto Insurance Discounts Available by Company and Discount Amount

Discount Name	Allstate	American Family	Farmers	Geico	Liberty Mutual	Nationwide	Progressive	State Farm	Travelers	USAA
Adaptive Cruise Control	✓	✓	✓	✓	5%	✓	✓	✓	✓	✓
Adaptive Headlights	✓	✓	✓	✓	5%	✓	✓	✓	✓	✓
Anti-lock Brakes	10%	✓	✓	5%	5%	5%	✓	5%
Anti-Theft	10%	✓		23%	20%	25%	✓	15%
Claim Free	35%	✓	✓	26%	✓	10%	✓	15%	23%	12%
Continuous Coverage		✓	✓		✓	✓	✓	✓	15%	✓
Daytime Running Lights	2%		✓	3%	5%	5%	✓	✓
Defensive Driver	10%	10%	✓	✓	10%	5%	10%	5%	10%	3%
Distant Student	35%	✓	✓	✓	✓	10%	✓		7%
Driver's Ed	10%	✓	✓	✓	10%	✓	10%	15%	8%	3%
Driving Device/App	20%	40%	✓	✓	30%	40%	20%	50%	30%	5%
Early Signing	10%	✓	✓	✓	✓	8%	✓	✓	10%	12%
Electronic Stability Control	2%	✓	✓	✓	5%		✓	✓	✓	✓
Emergency Deployment	✓	✓	✓	25%	✓	✓		✓	✓	✓
Engaged Couple	✓	✓	✓	✓	✓	✓	✓	✓	✓	✓
Family Legacy	✓	✓	✓	✓	✓	✓	✓	✓	✓	10%
Family Plan	✓	✓	✓	✓	✓	25%	✓	✓	✓	✓
Farm Vehicle	10%	✓	✓		✓	✓		✓	✓	✓
Fast 5	✓	✓	✓	✓	✓	✓	✓	✓	✓	✓
Federal Employee	✓	✓		12%	10%	✓		✓	✓	✓
Forward Collision Warning	✓	✓	✓	✓	5%		✓	✓	✓	✓
Full Payment	10%	✓	✓		$50	✓	✓	✓	8%	✓
Further Education	✓	✓			10%	15%		✓		✓
Garaging/Storing	✓	✓	✓		✓	✓	✓	✓		90%
Good Credit			✓	✓	✓		✓		✓	✓
Good Student	20%	✓		15%	23%	10%	✓	25%	8%	3%
Green Vehicle	10%	✓	5%	✓	10%	✓	✓	✓	10%	✓
Homeowner	✓	✓	✓		✓	5%	✓	3%	5%	✓
Lane Departure Warning	✓	✓	✓	✓		✓	✓	✓	✓	✓
Life Insurance	✓	✓	✓	✓	✓	✓	✓	✓	✓	✓
Low Mileage		✓		✓			✓	30%
Loyalty	✓	✓	✓	✓	✓	5%	✓	✓	✓
Married	✓	✓	✓	✓			✓		✓
Membership/Group	✓	✓	✓		10%	7%		✓		✓
Military		✓	✓	15%	4%	✓			✓
Military Garaging	✓	✓	✓	✓	✓	✓	✓	✓	✓	15%
Multiple Drivers	✓	✓	✓	✓	✓	✓	✓	✓	✓	✓
Multiple Policies	10%	29%	✓	10%	20%	10%	12%	17%	13%
Multiple Vehicles		✓	✓	25%	10%	20%	10%	20%	8%
New Address	✓	✓	✓	✓	5%	✓	✓	✓	✓	✓
New Customer/New Plan	✓	✓	✓	✓		✓	✓	✓	✓	✓
New Graduate	✓	✓	✓	✓	5%	✓	✓	✓	✓	✓
New Vehicle	30%	✓	✓	15%	✓			40%	10%	12%
Newly Licensed	✓	✓	✓	✓	5%	✓	✓	✓	✓	✓
Newlyweds	✓	✓	✓	✓	5%	✓	✓	✓	✓	✓
Non-Smoker/Non-Drinker	✓	✓	✓	✓	✓	✓	✓	✓	✓	✓
Occasional Operator	✓	✓	✓	✓	✓	✓	✓	✓	✓
Occupation		✓			10%	15%	✓	✓		✓
On-Time Payments	5%	✓		✓	✓	✓	✓	✓	15%	✓
Online Shopper	✓	✓	✓	✓	✓	✓	7%	✓	✓	✓
Paperless Documents	10%	✓		✓	✓	5%	$50	✓	✓	✓
Paperless/Auto Billing	5%	✓		✓	✓	$30	✓	$20	3%	3%
Passive Restraint	30%	30%		40%		20%	✓	40%
Recent Retirees	✓	✓	✓	✓	4%	✓	✓	✓	✓	✓
Renter	✓	✓	✓	✓	✓	✓	✓	✓	✓	✓
Roadside Assistance	✓	✓	✓	✓	✓	✓	✓	✓	✓	✓
Safe Driver	45%	✓		15%	✓	35%	31%	15%	23%	12%
Seat Belt Use	✓	✓	✓	15%	✓	✓		✓	✓	✓
Senior Driver	10%	✓		✓	✓	✓	✓	✓	✓
Stable Residence	✓	✓	✓	✓	✓		✓	✓	✓	✓
Students & Alumni	✓	✓	✓		10%	7%		✓	✓	✓
Switching Provider	✓			✓	10%	✓		✓	✓	✓
Utility Vehicle	15%	✓	✓		✓	✓		✓	✓	✓
Vehicle Recovery	10%	✓	✓	15%	35%	25%	✓	5%
VIN Etching	✓	✓	✓	✓	5%		✓	✓
Volunteer	✓	✓	✓	✓	✓	✓	✓	✓	✓	✓
Young Driver	✓	✓	✓	✓		✓	✓	✓	✓	$75

Some of the biggest discounts come from adhering to safe driving practices which you should follow every time you take your car out on the road. Saving money is great, but getting to your destination safely is even better.

Changing Your Insurance Policy: What You Need to Know

Your auto insurance policy may need to change to reflect the changes in your own life, but you may wonder: can I still get cheap auto insurance quotes and change my insurance coverage limits?

That depends. While some changes may increase your rates, you can always switch to a new insurance company at any point during your policy period and utilize applicable discounts to keep your rates low.

Drivers who have had the thought, “I want to buy auto insurance and change my insurance coverage,” should shop online. Taking this step will empower you to compare quotes from multiple companies at once; this way you’ll be able to find the absolute best insurance policy for you.

Enter your ZIP code to get free insurance quotes if you’ve ever thought, Can I change my insurance company and get a better rate?

Enter your ZIP code below to compare auto insurance rates.

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