Lower Rates

• If you switch your auto insurance coverage under a different carrier, you can realize steeper savings. This is due in part because auto insurance companies offer lower rates to new customers. Also, staying with the same auto insurance company for several years might get you out of the habit of hunting for the best deals, so the switch can prove educational as you learn about different promotional discounts like lower deductibles that some auto insurance carriers offer.
  
  

You Move

• Some insurance carriers only provide local service. Should your current auto insurance carrier fall under this category and you move, you must get your auto insurance coverage through a different carrier. You can also search for a new carrier when you move because insurance rates depend on the state that you live in. For example, states with fewer accidents and auto thefts tend to have lower insurance rates.
  
  

Combined Packages

• One way to save on homeowners', auto and life insurance is to combine the insurance packages. To gain the deepest cost savings you might have to switch your auto insurance carrier to bundle your insurance packages.
  
  

Poor Service

• The reason that you purchase auto insurance is so you can receive financial coverage and prompt and effective service in the event you are in an accident. However, if you are in an accident and staff members who work for your auto insurance carrier are typically rude or slow to respond to your inquiries or needs, consider switching to a new auto insurance carrier.
  
  

Discounts

• Your employer might partner with certain auto insurance carriers in your region to provide discounts on auto insurance rates to its employees as an added employee benefit. Check with your human resources representative to see if your employer offers this benefit. You might want to switch your auto insurance to the insurance carrier your employer offers discounts through while you are employed at the company. For example, some auto insurance carriers give employees who work at certain companies an annual 10 percent discount on their auto insurance rates.