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What You Should Know Before You Renew Your Overland Park Car Insurance Policy

overland park car insuranceFor many Overland Park residents, spring is a time for renewal. This can mean falling in love, spending your tax refund on a thrilling vacation, or—on a slightly less exciting level—renewing your car insurance.

Car insurance policies are kind of like apartment leases. They last for a set number of months, usually six months or a year, and then you’ll get the option to either renew or find a new insurer.

Your company might tell you that your premium is rising. This could be because of that fender bender you were in a few months back (which, we know, was totally not your fault), an increase in market rates, or a change to the company’s rating system that casts your profile in a less favorable light.

To Renew or Not Renew: That is the Question

Insurance is still a buyer’s market, and you might want to switch companies even if your premium isn’t going up. If you get your policy through an independent Overland Park car insurance agent, you might want to send a quick email or pick up the phone, and ask for a new quote.

Independent agents don’t just work for one company or insurance carrier. They work with a bevy of carriers to insure that the client gets the best rates. And he or she can run your name back through the system to find out if there’s a better rate available.

If you get your insurance directly from a carrier, shop around for new quotes before you renew—either online, with an agent, or by calling a few companies direct.

Check Up On Discounts

Did you daughter just graduate high school, and leave Overland Park to attend college? There is usually a discount for that. Did you just turn 55? There’s a discount for that, too. Lots of life factors will make you eligible for discounts. Use your renewal period as a chance to ask your agent or carrier if you have become eligible for new savings.

What Does Your Current Insurance policy Really Cover?

Many drivers don’t think to get Uninsured Motorist coverage, for example, which will leave you with the check if you are in an accident that wasn’t your fault, and the person who hit you didn’t have insurance. And for those of you who haven’t picked up Roadside Assistance, do it already. It’s only a couple bucks a month, and you’ll really appreciate it if your car breaks down, your battery dies, or you run out of gas.

(photo by theseafarer)