Most people shop around when first buying auto insurance to ensure they’re getting a good deal. However, it’s common to simply renew it year after year without checking to see if better options are available once a policy is selected. While this may be the easiest route to take, it doesn’t always serve your best interest. Over time, your coverage or provider may no longer be suitable for your needs. As such, you must recognize when it’s time to find new auto insurance. Here are a few signs you should consider replacing your current policy.

How to Know When It’s Time to Switch Your Auto Insurance

1. Rates Keep Increasing

While you can expect your rates to rise if you cause an accident or receive a traffic citation, it’s frustrating if you seem to be paying more each year for no reason. Often, providers will increase premiums based on risk factors that target all the people in a certain group — i.e., age, gender, or location — meaning you get penalized regardless of how spotless your driving record is. Thankfully, coverage costs can vary widely from one company to the next, there’s a chance you can secure a better rate elsewhere; so, if you’re not happy with the price you’re paying.

2. Personal Life Changes

As the years go by, you may experience various life changes that can affect your auto insurance needs. This can include getting married, buying a new car, becoming a homeowner, adding a teen driver to your household, improving your credit score, moving to a new state, or switching jobs. Any of these situations can require an adjustment to your coverage, which presents the ideal opportunity to look into purchasing a policy more appropriate for your evolving lifestyle.

3. Customer Service Is Lacking

When you’re paying for auto insurance, you should be able to rely on your provider any time you need answers to questions or help navigating a claim. If they never seem to answer the phone when you call, take unreasonably long to return your messages and emails, or give you poor advice, it might be best to begin looking for a new insurer. You want to partner with a company that has an excellent reputation for customer service and financial stability.

If you’ve decided to start shopping for a different auto insurance policy, turn to Craig Giovani State Farm® Insurance Agent for help with your coverage selections. He offers quality products and customized solutions from one of the nation’s leading providers and will assist you in finding adequate protection for your unique circumstances. Based in Mebane, NC, his office is available to serve clients in all surrounding communities. Call (919) 300-5911 to schedule an appointment, or visit him online to request a quote.