For many of us, shopping for car insurance isn’t our idea of fun and, often, it falls to the bottom of the to-do list. While it may be tempting to stay with your current provider, you may be able to save hundreds by switching.

Keep in mind that your insurance company will take into account your gender, age, driving history, vehicle type, and more when determining your insurance premiums. Even so, it’s a good idea to compare rates to see if you’re overpaying. But, when should you shop around for car insurance?

Generally, it’s a good idea to shop for car insurance every six months. You could save hundreds by even having your current carrier reassess your rate to factor in your current location, car depreciation, and driving record. However, there are a few other times when it’s optimal to see if you can land a better rate, such as s:

• Change of driver – loss of a youthful operator or addition of a youthful driver
• Significant change in vehicles – a five+ year jump in model years
• Positive change in credit score – for example, going from a 600 to 700+
• Change in address – moving out of the area or state
• Driving record improvement (a significant violation or accident becomes 3-4 years old)
• Change in driving habits (significant reduction in driving commute or annual mileage

To really streamline the process, pick one day out of the year to be your designated “car insurance shopping” day. Put it on the calendar so you don’t forget. Create a go-to folder with your vehicle information and any past violations so that it’ll be easy to reference. Finally, compare quotes from local insurance agencies.
 
Talk to your auto insurer for more information about how to save money. For all of your auto insurance needs, visit Young Insurance. We are ready to help you find reliable insurance today.