Top 3 Instances When You Need To Change Your Car Insurance Coverage

You may need to get in touch with your car insurance agent on several occasions. One such occasion is when your coverage needs and other circumstances change, and you have to change your policy accordingly.

Here is a rundown of some of the times when you should change your auto insurance coverage. Of course, it is best to first review your current policy with your car insurance agent, so you are on the same page about what requires fine-tuning.

1. Adding or Removing a Vehicle

Whether you have bought a new car or looking to have your partner's vehicle insured under your policy, your car insurance agent can help with taking on more vehicles on your policy. The same goes for removing a car from the policy, be it because you are selling it off or for any other reason. The agent can run your savings numbers in either case.

2. Adding or Removing a Driver

You can add a new driver after getting married or after your teenager finally gets their driver's license. Similarly, you can remove other drivers for any number of reasons. Whatever these reasons may be, your car insurance agent can guide you on how to go about adding or removing drivers on your auto insurance policy.

3. You Are Moving

Your address plays a big part in determining your auto insurance rates. This is especially important with an out-of-state move as some auto insurance risk factors apply geographically. Other details you may want to inform your car insurance agent include whether or not you have a garage at the new address, or whether you will be parking your vehicle on the street.

Also, keep in mind that you may face some challenges when filing your claim, and there is a mismatch between your address and what is listed on your insurance policy.

Timelines for Changing Car Insurance Policy

You can speak to your car insurance agent at any time about making changes to your policy. Contrary to what most people think, you don't have to wait until the end of your policy period to make these changes. Whether you are moving to a new address or just closed the deal on a new vehicle, sooner is always best as far as updating your auto insurance coverage.

In most cases, these changes to your auto insurance policy will take effect immediately. Your car insurance agent can advise on reasonable timelines where immediate effect may not apply. 

For more information, contact a local agency like Bishop Insurance Agency.