3 Facts The Auto Insurance Companies Don’t Want You To Know

Your auto insurance provider won't tell you that, (1) rates change constantly, (2) you can cancel your policy at any time, and (3) you can reduce your bill by comparing quotes.

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Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance...

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Reviewed byDaniel Walker
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UPDATED: Apr 21, 2020

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Things to Remember...

  • Every state has its own set of rules and regulations about car insurance
  • Auto insurance is not a long-term contract
  • Car insurance quotes should always be free

Auto insurance is a funny thing. Each state has different rules and regulations on how auto insurance coverage should work. Despite all these laws and regulations, consumers have power over their coverage.

However, there are three things every car owner needs to keep in mind. Enter your zip code above and compare FREE online auto insurance quotes now!

#1 – Rates Are Always Changing

Auto insurance rates are in a constant state of change. Rates change for a variety of reasons ranging from your driving record improving over time, to new state mandates. This might seem like a bit of work, but checking auto insurance rates on a yearly basis can save you money.

For example, you have a few points on your license from an accident two years back. You just moved and changed your auto insurance to a new company.

This company sees those points on your record and bumps up your rates. To the auto insurance company, you are a higher risk driver due to those points.

A year passes and the points fall off your driving record thanks to your diligence in safe driving. You talk with your auto insurance agent, and they notice you no longer have any points on your record. This takes you out of the high-risk category and brings you down to a safe driver level.

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#2 – Your Policy Is Not a Long-Term Contract

Auto insurance is not a long-term contract. There are no early termination fees if you leave a company after a short period of time. The only real headache you would face is all the paperwork of signing up with a new auto insurance company.

The only real headache you would face is all the paperwork of signing up with a new auto insurance company. You should never be penalized for canceling your car insurance.

Even those people who prepay their premiums are not locked into one company. You might have to call the main office and request a refund, but this kind of leverage means you can shop for new auto insurance without having to worry about early termination fees.

#3 – Comparing Auto Insurance Quotes Save You More

Comparing auto insurance rates is the easiest way to drive competition between companies. Getting quotes should not cost you a dime.

Make sure you get as detailed of a quote as possible before making a final decision. Agents want your business and can work the systems to your advantage.

Don’t just assume that company X is giving you the best price they can until you tell them what company Y is able to do.

To ensure that you get the lowest rate possible, always be on the lookout for changing rates and better coverage. Invest your money wisely.

Start today by comparing free online auto insurance quotes by entering your zip code below!

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Compare quotes from the top auto insurance companies and save!

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