How often should I be shopping my insurance rates?
Quick Answer
You don’t necessarily need to shop your insurance every year. Instead, it’s a good idea to review your coverage regularly and compare your options when your situation changes or something doesn’t feel right.
When Should You Review Your Insurance?
Consider reviewing your policies if you:
- Buy a new home or vehicle
- Get married or divorced
- Add or remove a driver
- Have a teen getting their license
- Complete major home renovations
- Start a business
- Experience a significant premium increase
- Haven’t reviewed your coverage in several years
Why Not Shop Every Year?
Insurance isn’t just about finding the lowest premium.
Switching companies too often can sometimes mean losing loyalty discounts or other long-term benefits. The cheapest policy also isn’t always the one that provides the coverage you need.
How an Independent Agent Can Help
One of the benefits of working with an independent agency is that you don’t have to guess when it’s time to review your policy.
At Ingram Insurance, we can review coverage, answer your questions, and let you know when it makes sense to compare your options.
We’re Here to Help
Whether your rates have increased or your life has changed, we’re happy to review your current coverage and help you determine if your policy is still the right fit.
