Do you ever wonder why it is that self help and "how to" writers make so much money? It's because everyone's convinced there's a 'right way' and a 'wrong way' to do just about everything. Most of the time right and wrong are open to interpretation, but when it comes to changing car insurance companies there are some definite rules and addendums (and plenty of fine print) that you want to make sure not to let slip through your fingers.
First and foremost, let's talk about your credit score. Why? Because the one thing most drivers don't realize is that the state of their car insurance directly affects the digits in their credit score.
No one really expects you not to change car insurance companies over the course of your lifetime. If you seriously stuck with one company from the day you got your license until the day you retired your car keys you might save yourself reams of paperwork and hundreds of dollars in migraine medication, but you're also virtually guaranteed to end up paying too much for your insurance. Why? Because the discounts insurers are offering to their long-time customers can't hold a candle to the deals they're willing to cut to increase their clientele.
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After all, if you just stop paying your monthly bills they're going to cancel your coverage sooner or later and save you the trouble of making a phone call, right? Absolutely! You can just wash your hands of the entire affair and move on with your new, economically sound lifestyle-until it comes back to bite you in the rear