How Often Should You Shop Around for Car Insurance?

car insurance folder

Shopping for car insurance may not be at the top of the list of fun things to do. It may often fall to the bottom of your to-do list, but you really should get into the habit of doing it more often. While it may be tempting to sit tight with your current provider, you may be able to save hundreds by switching.


Keep in mind that your insurance company will take into account your gender, age, driving history, vehicle type, and more when determining your insurance premiums. Even so, it’s a good idea to compare rates to see if you’re overpaying. But, when should you shop around for car insurance?


The general rule of thumb is to shop around for a better rate once a year. However, there are a few other times when it’s optimal to see if you can land a better rate:

  • After you’ve had a car accident, DUI or traffic accident
  • You’re about to move location
  • Your credit score has gone up or down significant
  • You’re adding another driver, such as a spouse or child, to your policy


To really streamline the process, pick one day out of the year to be your designated “car insurance shopping” day. Put it on the calendar so you don’t forget. Create a go-to folder with your vehicle information and any past violations so that it’ll be easy to reference. Finally, compare quotes from local insurance agencies.


Taking this proactive approach to car insurance could lead to meaningful savings over time. For affordable car insurance that will protect you and your vehicle, contact the team at Gee-Schussler Insurance Agency. We serve Orland Park and surrounding cities in Illinois.