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Switching Car Insurance Companies Lincoln NE

Why would you shop around if you were happy with your insurance company? Well, the fact of the matter is that exactly the same coverage can cost you widely different amounts, depending on your insurance company.

KUHL Insurance Agency Inc
(402) 475-2609
300 North 27th Street Suite B
Lincoln, NE
 
Thompson- Raymond L - State Farm Insurance Agent
(402) 475-2345
3701 O Street Ste 101
Lincoln, NE
 
Williams- Karen L - State Farm Insurance Agent
(402) 434-6050
233 North 48th Street Ste O
Lincoln, NE
 
American Family Insurance Tim Stewart Agency Inc
(402) 489-6211
5615 O Street
Lincoln, NE
 
Motorcycle Insurance
(402) 476-3599
120 South 29th Street
Lincoln, NE
 
Independent Insurance Representative
(402) 730-6066
303 North 52nd Street
Lincoln, NE
 
Krikac- Vincon C - State Farm Insurance Agent
(402) 474-1173
1115 K Street Ste 102
Lincoln, NE
 
Higgins- Beverly J - State Farm Insurance Agent
(402) 483-2838
123 South 84th Street Ste D
Lincoln, NE
 
Dahlgren- Richard A - State Farm Insurance Agent
(402) 488-7855
221 South 66th Street
Lincoln, NE
 
Allstate Insurance - Kris Rosenow
(402) 488-0955
4221 O St
Lincoln, NE
 

Switching Car Insurance Companies

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Switching Car Insurance Companies

Have you discovered a better deal? Are you unhappy with your present insurer? Maybe you've been thinking about changing insurance companies for a while. It's never been easier to find out if you are getting the right insurance at the right price. You can get quotes online with some companies 24 hours a day. Many other companies have toll free information lines where you can find out more. You can even talk to your states Department of Insurance for information on getting the right insurance.

So, why would you shop around if you were happy with your insurance company? Well, the fact of the matter is that exactly the same coverage can cost you widely different amounts, depending on your insurance company. How does this happen? Well, reasons vary, but a common one is that a particular insurance company may have experienced higher than expected claim rates for a particular coverage group. A coverage group is a group of clients who all share similar characteristics like age, number of accidents or type of vehicle. If this happens, better overall pricing and discounts could be available on the same policy at another insurer, who hasn't had the same spike in claims.

While it may seem intimidating, once you decide on a new insurer, switching companies is easy to do.

First, you'll have to cancel your existing policy. Usually, this will need to be done in writing. Be sure to specify the date when you want the insurance cancelled. You will have to have your new policy in force for this same date. In some states, your new insurance agent must notify your previous agent of the change. You may even have to send back the actual printed policy, depending on your insurance company. Regardless of any other details, your insurance company should send you a cancellation request form for you to sign and return. If you do not receive such a form, you should contact the company or your previous agent, to find out the status of your cancellation. Always be sure that your old policy has been properly cancelled; otherwise, your insurance company may terminate your coverage for lack of payment and this could adversely affect your credit rating.

Ideally, the best time to switch your coverage is just before your current policy comes up for renewal. In this way, you don't pay any penalty for cancelling. Most insurers will not refund the total amount of your premium if you cancel early. How can you be sure to switch at the right time?...

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