How to switch insurance providers

Switching insurance, for a bundle or a single policy, follows the same safe order of operations.

By the InsuranU team Updated July 20263 min read

Whether you are switching one policy or an entire bundle, the safest approach is the same.

Line up new coverage first

Get your new policy or bundle active before canceling the old one, so there is no gap in coverage.

Some insurers charge a short-rate penalty for canceling mid-term. Ask before U switch.

Lenders, landlords or DMV records may need updated proof of your new coverage.

Compare matched options in a few minutes. It is free and there is no obligation.

More from the auto and home bundle checklist.

Lining up coverage at the right moment.

A yearly check that often leads to switching.

See the real ranges, with a live estimator.

Will I get a refund from my old insurer?

Usually a prorated refund for the unused portion, sometimes minus a short-rate fee.

How long does switching usually take?

Often same-day once you have a new quote you are happy with.

Tell us about your home and car and your life. We will match you with quotes built around U.