There is no bad time to compare auto insurance quotes. However, there are some very good times to do a little auto insurance comparison shopping.
Did you know that if you change jobs, you should compare auto insurance quotes? Likewise, if you get married, you should not just add your spouse to your car insurance policy, but take that time to compare auto insurance quotes by using your current car insurance policy as a reference.
Most people wait until their car insurance premium is due to start looking around to do their auto insurance comparison, but you can always look to get a cheaper car insurance premium any time that you are ready.
Additionally, people will wait until something significant happens in their life before they shop car insurance rates.
Marriages, teen drivers, birthdays and job changes can all trigger the shopper to go and compare auto insurance quotes. These may be wonderful times that remind you to shop for a cheap car insurance premium, but they do not need to happen in order to do some rate comparing.
In fact, you can shop for a car insurance quote anytime you like. There are no penalties for shopping around and you are not committed to buy just because you are looking.
Car insurance companies make it very easy to shop their rates and now that you can do this online, you can shop 24/7 and you do not need to get out of your pajamas.
The worse thing that can happen to you when you compare auto insurance quotes is that you get a cheaper quote than what you are currently paying for your car insurance.
You can compare with local agents from the phone book simply by calling them or dropping by their office while you are out running errands or on your lunch hour.
Do not forget that when you get ready to compare rates, there are certain items and information that you need to have with you before shopping insurance quotes. To see a list of things that you will need, please see this article on what information you need in order to get a new quote. [insert What Information Do I need here]
Another thing to remember is to call you own insurance agent or company and get another quote from them. It may be that rates have changed for your area or that you have had some lifestyle changes that will affect that rate as well. Just like going to a new company, your own insurance company may not be aware of things that have happened in your life until you start doing some comparing.
Since so many factors can make a difference in your insurance rates, auto insurance comparison should be something that you do regularly, and not just when your premium is due.
By continually comparing your car insurance rates, you can best stay on top of changes to your rates. If your car insurance company has raised rates, you will know it simply by looking at your premium.
Maybe some of the coverages that you have are costing the company more and they are assessing increases to all of their policyholders. If you are continually aware of your costs and rates, then you can decide what will best serve you and your family.
Changing car insurance can be done at any time, so there is no need to wait until your premium is due. Should you find a cheaper car insurance rate, there is no reason to wait to change, just let your current insurance company know and cancel that policy after you have gotten your new policy.
If you do find a cheaper car insurance premium, make sure that the policy you are replacing and the policy that you are buying are the same coverages and that you are not losing coverage that you need.