05 Dec Tips for Switching Auto Insurance Companies in 2026
Even if you’re not completely committed to switching to a new auto insurance company, it’s a good idea to do an annual assessment of your coverage. You might discover that your policy is changing in the new year, or that another company offers more competitive services. When exploring your options, take note of which companies provide comprehensive auto repair and collision coverage, and read customer reviews to find out how easy it is to get the repairs you need. Here are our tips for switching auto insurance companies in Tucson, AZ in 2026.
Be Aware of the Signs You Should Switch Car Insurance Companies
You should start by being aware of some of the warning signs that your auto insurance company isn’t cutting it any longer. Consider switching insurance providers if:
- You have had a bad experience with your existing company
- They make it hard to file a claim
- You feel like you’re paying too much for what you’re getting
- They don’t offer coverage or services you need
- The terms have changed, or your policy is changing in the new year
- It’s hard to get someone on the phone, or their customer service is bad
- You’re on a tighter budget or want to save money
- Your driving habits have changed
- You have gotten a new car, have multiple cars, or have gotten rid of a car
- Your lifestyle or spending habits have changed
- You haven’t explored your options in a while
Review Your Current Policy and Coverage
Next, review your current policy and familiarize yourself with your coverage terms. You’ll want to know it inside and out so that you can compare it to competitors’ plans. Take note of the policy limits, coverage terms, and claims process.
Gather Up Your Documentation
Gather up any documentation or information you’ll need to apply for auto insurance coverage elsewhere. This usually includes your vehicle’s make and model, VIN, title, and information about your driving history and vehicle usage.
Research Extensively
You want to research other companies extensively. This will help you find a provider that is within your budget, but that also offers excellent coverage, amazing customer service, and expertise in your region. When looking into companies, you should:
- Ask family and friends for recommendations
- Check their rating with the Better Business Bureau
- Verify their qualifications and services
- Read online reviews and testimonials
- Compare coverage amounts and policies
- Speak with a representative to gauge their customer service
Request a Quote
When you have narrowed down your choices to your top three or five options, request a quote from each one. You may need to contact an agent to get a personalized quote, but you can use other companies’ quotes as leverage to negotiate a better deal. Ask for quotes for the same level of coverage from each insurer so that you can make a direct comparison.
At National Auto Collision Centers, we work with most major auto insurance companies to provide fast, reliable auto repairs. If you have been Googling, “auto body repairs near me,” visit one of our conveniently located collision centers. We’ll work with your insurance company to coordinate coverage. Contact us online to schedule an appointment.