How to switch car insurance without a gap

Switching insurers is usually simple, as long as you do it in the right order.

Steps

1. Buy the new policy and choose a start date.
2. Get the new ID cards and policy documents.
3. Tell your lender or lessor if the car is financed or leased.
4. Cancel the old policy effective the same day the new one starts, in writing if possible.
5. Check that you receive any refund of unused premium.
6. Remove old ID cards from the car and your phone.

Watch for

• Cancellation fees or short-rate penalties in your old policy
• Autopay that keeps charging after cancellation

Educational information, not insurance advice. Coverage and rules vary by state and insurer; your policy documents control. Trusted Auto Insurers is not an insurer, agent or broker and takes no commissions.