How to Car Insurance Lawyer

Once you've verified that the new provider can do business in your state and appears financially stable, it's time to make the switch. "When you are ready to cancel your current policy, let all parties know in writing, so that there is no gap in coverage," Salvatore says.

If you end your existing auto insurance policy before it expires, you may receive a partial premium refund, depending on the terms of your agreement. However, you should continue paying for your old policy until the new coverage is confirmed in writing. Otherwise, the old policy could be dropped for non-payment before the new policy starts. And in most states, driving without proper car insurance coverage is against the law. "It may be easier to wait and have your new policy start when the old one expires," Salvatore says.