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Can I add or remove coverages in the middle of my policy?

The Rundown
  • You can change your coverage limits at any point in your policy period
  • Look for other options to get cheaper rates before considering lower coverage
  • You can shop online to find the best quotes for your budget and insurance needs

Your car insurance policy reflects your coverage, and you deserve to be well protected when you’re out on the road. If you’re thinking of updating your car insurance policy, you’ll be pleasantly surprised at how easy it is to customize and how accessible it is.

As long as it meets Texas car insurance requirements, your car insurance policy can be updated at any point during your policy period. You can make changes by calling your insurance representative, logging into your account online, or by accessing your policy through the insurance company’s mobile app.

There are even insurance companies that have an all-hours service line available.

This way, you could speak to someone even when your local agent’s office is closed in order to remove or purchase additional coverage insurance or request new policy documents whenever the mood strikes you.

Of course, if you do want to add or remove coverages, affordable car insurance shouldn’t be your sole reason for doing so. It’s not a good idea to drop your coverage limits just to get a lower rate.

Enter your ZIP code here if you want to compare rates for adding or removing coverages, and compare free quotes to find the best policy for you.

How often should a car insurance policy be updated?

Your car insurance policy should be updated whenever your needs change. For example, if you decided to upgrade your car’s stereo system, your previous coverage limits would most likely be too low.

Whenever there’s a change in your car, driving habits, or household, it’s a good idea to look at your coverage.

Now, prior to completely re-vamping your policy, it’s always best to make sure you understand all the coverages that you currently have. For instance, many car owners fail to spot the differences between additional coverages vs. coverage extensions.

But what are additional coverages exactly?

You could purchase additional coverage as protection against indirect losses that aren’t currently covered by the original confines of your policy. Coverage extensions, on the other hand, provide even more insurance for what is already protected by your policy.

How much do drivers pay for insurance?

No two drivers will pay the same rate as every car, and every driver’s situation is unique. Of course, if you’re considering an update to your policy, whether by purchasing more coverage or by having additional coverage of property removed, you will most likely see your rates fluctuate.

If you’re not sure how much coverage you can afford for your own, take a look at this chart below. Here you’ll be able to see what you may pay for certain amounts of car insurance:

Group High Coverage Annual Average Medium Coverage Annual Average Low Coverage Annual Average
Allstate $5,655.81 $5,438.89 $5,361.24
American Family $5,357.52 $4,672.73 $4,517.27
GEICO $3,477.68 $3,221.75 $3,090.73
Nationwide $3,736.52 $3,701.00 $4,165.19
Progressive $4,920.90 $4,642.33 $4,431.31
State Farm $3,039.86 $2,870.49 $2,729.50
USAA $2,582.94 $2,477.96 $2,403.46

Many factors feed into your car insurance rates. For example, your address, the age of your car, and your credit score all play an important role in determining what you will pay for your insurance coverage.

Don’t neglect this great insurance shopping tip: Request multiple quotes and adjust the coverage levels to see which companies offer the highest amount of coverage at the lowest rates.

One of the quickest ways to reduce your rates without changing companies is to increase your deductibles. Just make sure you understand car insurance deductibles and how they work first.

If you’re curious about how much car insurance rates fluctuate, add or remove coverages when requesting quotes online so you can study how much coverage you can afford in the comfort of your own home without the pressure of a salesperson staring you down.

When can drivers get a new insurance policy?

You have the ability to switch to a new car insurance company, add or remove coverages, or choose between paying monthly or annual rates as you see fit. While the insurance companies may dictate how much a policy will cost you, you still have a lot of control over your policy.

Now, if you have a loan on your car, be aware that if you do switch insurance companies, you will need to provide the name of your lienholder and the mailing address of your lienholder when completing your quote.

With this information in hand, the insurance company you decide to work with will be able to send a note to the lienholder on your behalf, informing them of the switch.

If you’re excited by the possibility of getting a new insurance policy, make sure that you are working with one of the very best insurance companies in the industry.

After all, you wouldn’t want to entrust your car to a second-rate company. Below, you’ll be able to learn the names of some of the very best insurance companies:

Company Direct Premiums Written Loss Ratio Market Share
State Farm Group $3,563,120 78.29% 16.83%
GEICO $2,637,489 88.18% 12.46%
Allstate Insurance Group $2,362,584 66.19% 11.16%
Progressive Group $2,041,345 68.91% 9.64%
Farmers Insurance Group $1,842,735 66.07% 8.70%
USAA Group $1,712,949 88.30% 8.09%
Liberty Mutual Group $1,195,735 83.96% 5.65%
Texas Farm Bureau Mutual Group $693,004 77.31% 3.27%
Consumers County Mutual Insurance Co $541,825 86.45% 2.56%
Nationwide Corp Group $473,342 65.53% 2.24%

As previously mentioned, your car insurance needs to adequately protect you, so it’s best not to just snag the cheapest policy you can find when searching for car insurance; however, buying a high-quality policy doesn’t mean you have to break the bank.

There are plenty of ways to get the coverage you need while obtaining great savings that will keep your wallet happy.

How can drivers reduce their rates?

If you’re on a tight budget, you may be afraid that you can’t add or remove coverages or buy car insurance that will truly protect you. However, thankfully, most high-quality insurance companies offer a lot of discounts that can help you afford the coverage you need.

Whenever you decide to shop for a new policy or review your current one, you should make sure that you are getting every discount that you qualify for. If you are certain about what discounts you should be looking for, review this list of common car insurance discounts

This list will help you to take advantage of every opportunity you have to save money on your car insurance:

  • Good student
  • Distant student
  • Safe driver
  • Defensive driving course
  • Multi-policy
  • Multi-car
  • Anti-theft device
  • VIN etching
  • Daytime running lights

Now that you know how many discounts exist for car owners, you know there are options other than reducing your coverage to make your car insurance affordable.

What You Need to Know About Updating Your Coverages

Your car insurance policy is yours to control. As long as your policy is in good standing with your insurance company, you can make any changes you need to whenever you would like to.

You can access your policy via the company’s website or even call a service line if you need to speak to someone after hours.

Now, remember, it’s not a good idea to reduce your coverage simply to get cheaper insurance rates. if you find yourself in a situation that requires you to file a claim, you won’t want to be left without a car because you didn’t have enough coverage.

If you need lower rates, you should review the list of discounts that your company offers. If the rates are still too high, you can shop online to find a new company that can give you both the coverage you want at the rate you need.

When you’re comparing car insurance quotes, add or remove coverage to the quotes so you can have a proper idea of what each company can offer you.

Enter your ZIP code below to add or remove coverages to free quotes from insurance companies near you.

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