Switching Car Insurance Can Feel Overwhelming.
Every company offers different rates, comparing quotes takes time, and each quote often involves a soft credit check that can affect your insurance score. Because of this, many people stick with the same insurer for years—even when they’re overpaying.
Insurance companies count on that. They know most customers won’t switch unless they absolutely have to. But shopping around can save you real money. The auto insurance market is driven by consumers, and when drivers move to better-priced policies, insurers are forced to lower rates to stay competitive. There’s nothing wrong with switching carriers—even multiple times a year—if it means paying less for the coverage you need.
In this article, we’ll explain how to switch car insurance and why doing so can benefit you.
How to Switch Car Insurance in Florida
Decide What Coverage You Need
Start by figuring out what types of coverage matter most to you. Auto insurance includes many options—liability, comprehensive, collision, uninsured motorist, and more—and each protects you in different situations. Understanding what each coverage does helps you choose the right policy for your needs. If you are not sure what each coverage does, please get a quote, and a licensed insurance agent from Insurance Direct will help you choose the best coverage.
At the same time, look for both general and company-specific discounts. These might include safe driver discounts, multi-car policies, bundling with home insurance, or good student discounts. Having a clear idea of your coverage needs and budget makes the rest of the process much easier.
Insurance Fact
Shop Multiple Carriers
The next step is comparing multiple insurance companies. This can be time-consuming on your own, which is why working with a broker can help. At Insurance Direct, we shop multiple carriers for you, comparing quotes from top insurance companies in minutes.
Our licensed agents know how to apply discounts and find extra ways to save. Our goal is simple: help you pay the least possible for the coverage you need—not the most.
Shop Multiple Carriers
The next step is comparing multiple insurance companies. This can be time-consuming on your own, which is why working with a broker can help. At Insurance Direct, we shop multiple carriers for you, comparing quotes from top insurance companies in minutes.
Our licensed agents know how to apply discounts and find extra ways to save. Our goal is simple: help you pay the least possible for the coverage you need—not the most.
Avoid Any Lapse in Coverage
Never cancel your current policy before your new one is active. Even a short lapse in coverage can leave you uninsured, raise your rates, or require you to file an SR-22 in Florida. Always secure your new policy first, then move on to canceling the old one.
Cancel Your Old Policy
Once your new policy is active, cancel your old one right away. Having two insurance policies on the same car is illegal, so timing matters. A broker like Insurance Direct can help you transition smoothly so there’s no gap—and no overlap—in coverage.
Switching car insurance doesn’t have to be stressful. Just get a quote, and we will help you with the right preparation and help, it can be fast, simple, and one of the easiest ways to save money on your monthly expenses.
What Is The Minimum Insurance Coverage Required by Most US States?
| Minimum Insurance Required |
Bodily Injury (BI) | Property Damage (PD) |
Personal Injury Protection (PIP) |
|---|---|---|---|
| Florida (No-Fault) | optional coverage | $10,000 | $10,000 |
| Texas (At-Fault) | $30,000 per person, $60,000 per accident |
$25,000 | optional coverage |
| Tennessee (At-Fault) | $25,000 per person, $50,000 per accident |
$15,000 | optional coverage |
What Is The Average Auto Insurance Cost Per Year?
| Average Cost Per Year | State Minimum Car Insurance | Basic Full Car Insurance | Full Car Insurance |
|---|---|---|---|
| Florida | $835 | $1,620 | $1,920 |
| Texas | $718 | $1,565 | $1,842 |
| Tennessee | $539 | $1,354 | $1,583 |
