Changing Car Insurance? Here Are Some Things to Keep in Mind

Drivers across the nation are constantly trying their hand with new insurance companies for a variety of reasons. Maybe they want to go for something a little more affordable, or maybe their current insurance is just not cutting it. Are you in the same boat?

Whatever the case, there’s nothing wrong with switching your car insurance. However, we recommend keeping several things in mind and double-checking a few things before making the switch. See what our insurance agents in McAllen have to say below!

The End Date

One of the most common reasons drivers change policies is to save money. There’s absolutely nothing wrong with that, but the last thing you’ll want is to be responsible for two policies as you make the switch. To avoid this, make sure to have a clear cancellation date on your old policy. We additionally suggest calling your old insurer to make sure they’ve ended your coverage.

Coverage Gaps

Another thing you’ll want to avoid when switching policies is a coverage gap. There are a few reasons you don’t want to be uninsured while making the change. For starters, the obvious one is not wanting to run the risk of being in an accident while uninsured. You also don’t want for your new insurance rates to rise because you’ve had an uninsured period in your record. We recommend ensuring that there aren’t any gaps in your coverage. Ask us how we can help with that!

Leasing and Financing Matters

Drivers either lease or finance their vehicles, and if this is your case, then there’s a chance the leasing or financing company will have a say in what your next insurance policy looks like. These companies require a specific amount of coverage in order for you to keep your vehicle. Avoid any issues and simply keep your dealership or bank up-to-date on what you’ll do.

The New Policy

It isn’t uncommon for drivers to stop listening to details once they’re told they’ll be paying considerably less for insurance. However, your new policy may offer less that what you need. If this happens and you end up having to add coverage in the future, your rates could potentially skyrocket! To avoid this, know exactly what you’ll be getting out of your new policy and don’t be afraid to ask questions!

Here for You When You Need Us

Our insurance agency in McAllen has been around for a long time and wants for you to know that we’re here to help with your insurance coverage. Stay safe and sound with

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