If you’re looking to switch car insurance in Fargo, you need to know the right steps to take. Here are some tips to help you make that change while ensuring you stay covered at all times.
Find the Best Deal
You’re probably looking for a new insurer for cheaper rates or for better customer service. Make sure you shop around so you know you’re getting the best deal. While you can save money with a different insurer, you also can cut your rates through loyalty discounts by staying with the same company for a long time. You don’t want to make moves at every renewal. Do your comparison shopping so you know you have the best rate possible.
Sign Up for New Insurance
Sign up for the new policy before you drop your current one. Make sure you know when the new policy will take effect. Most will begin coverage within one or two days as long as payment has been made. You also have the option of setting your coverage date if you want to wait until your current policy expires. You’ll want to have proof of insurance in your vehicle with the new policy once it takes effect.
Cancel Your Old Policy
You definitely don’t want to pay for two insurance policies, so call the old one and cancel. It usually takes a day or two for the policy to expire after notification. You may even have to pay out the rest of the period. Check with your insurer so you know when your coverage will end.
Make Sure All Claims are Finished
If you have an outstanding claim, you might want to wait to switch companies until it’s taken care of. Even though the insurer must cover you for any damage sustained during your policy period, you might find you get better results if you’re a current policyholder.
Check Other Products for Additional Savings
Once you switch your car insurance in Fargo, you may want to look at other insurance products as well. You may find you want to change your home insurance provider to the new company as well for the multi-product discount. Some insurance agencies offer life insurance, business insurance and other products. Usually the more insurance you have with one agency, the more you save. If you decide to change your car insurance provider because of the savings, you may want to look at other options as well.
It’s About More than Savings
Remember that car insurance is about more than just the rates. You want to find an agent who you can go to when you have questions or concerns. You want a provider that will process claims in a timely manner. They should make the claims process easier and less frustrating. If you’re considering switching to a new insurance provider, make sure you think about more than just the price. You want to find an agency that will work with you to meet your needs for coverage.