This is the last chapter, and the one to keep handy when a quote lands in your inbox.
The questions that matter
- Did the liability limits change? Confirm they still protect your assets. See auto liability limits.
- Did UM/UIM change? Check it was not reduced or rejected. See uninsured and underinsured motorist coverage.
- Did MedPay or PIP change? See medical payments vs PIP.
- Did the deductibles change? Compare them in dollars. See auto insurance deductibles.
- Did rental reimbursement change, and is gap included where you need it?
- Are all drivers listed correctly, with no surprise exclusions? See excluded and household drivers.
- Is the vehicle use and garaging accurate? See vehicle use and garaging.
- Are the exclusions different? See what auto insurance does not cover.
- Is the carrier a good fit on claims, billing, and renewal stability?
- Is the savings worth the tradeoff once you know everything above?
The bottom line
Do not switch auto insurance on price alone. Compare the limits, UM/UIM, deductibles, drivers, vehicle use, and exclusions first, then decide whether the savings are worth it. If you want help, send us your current policy and the new quote and we will compare your coverage with you, or get a quote to start fresh.
Continue the series
You are reading part 18 of How to Compare Auto Insurance Quotes Without Getting Burned.
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That is the full series. Compare your coverage with an advisor, or get a quote.