How quickly do changes I make to my policy go into effect?

If you've asked, "Will changes I make to my policy make affordable car insurance obtainable?" You'll be happy to learn that sometimes they can and that all changes you make go into immediate effect. To change your policy, contact your insurance company or access your policy through the company's app or website. Of course, the answer to "Will the changes I make to my policy affect car insurance quotes?" is, undoubtedly, yes. But how those quotes are affected will depend upon the changes made.

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Chris Tepedino is a feature writer that has written extensively about home, life, and car insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and C...

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Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance for 10 years. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate...

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Reviewed by Laura Walker
Former Licensed Agent

UPDATED: Dec 28, 2021

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The Rundown

  • Drivers can make changes to their policy at any point
  • Drivers can switch insurance companies at any time
  • Drivers can usually make changes to their policies via their insurance company’s app or website

The beauty of car insurance is that it is incredibly customizable. You can actually adjust your liability limits to fit your risk level or lower all your coverage if you purchase a less-expensive vehicle.

Drivers who have tapped “how to change my insurance plan” into their search engine will be particularly pleased to learn that a car insurance policy can be changed at a moment’s notice. This means your insurance policy can reflect your needs no matter what life brings your way.

So the next time you ask yourself, “Will changes I make to my policy make affordable car insurance an obtainable goal?” you’ll be happy to learn that you can change pretty much everything about your policy instantly.

If you’re sitting at home and wondering, “Will the changes I make to my policy affect car insurance quotes?” you can begin your research right away.

Enter your ZIP code to get free quotes from insurance companies in your city if you want to know, “How will changes I make to my policy change my rates?”

Can drivers make immediate changes to their policies?

Who has the authority to make changes to an insurance contract? If the insurance policy belongs to you, then you have the right to make any changes you want at any time. And, yes, those changes will take immediate effect.

Of course, you will have to provide some information to your insurance company to make changes. This includes removing a vehicle or a driver from your policy.

Removing Vehicles from Your Policy

Let’s say you own a fairly standard sedan and a truck. You notice that your truck insurance is costing you more than you would like, so you decide to sell the truck.

The minute that truck is no longer in your name, you can contact your insurance company and have the truck removed from your policy.

When you reach out, you simply have to provide the reason why you relinquished ownership of the truck and the date the deal was processed.

Even better than this immediate service, you might actually get some money back if you remove the truck during a policy period that you’ve already paid for.

Removing Drivers from Your Policy

Removing a driver from your policy is incredibly simple. Much like removing a vehicle, you’ll need to contact your insurance company. Then you will need to state that the individual in question is no longer a regular driver in the household because they have:

  • Moved away
  • Bought their own policy
  • Lost their license
  • Passed away

As you can see, making these big changes to your policy requires little energy. While removing drivers and vehicles usually requires working directly with an insurance representative, some companies allow drivers to make direct changes to their coverage level at their own discretion.

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How do drivers make coverage changes to their policies?

If you feel like making changes to an insurance policy in the middle of the night or during your coffee break at work, you usually can.

Most major insurance companies offer their drivers direct access to their policies through their websites or apps.

After logging into your account, you’ll be able to review your coverage levels and adjust them accordingly. Now, there are a few occasions that will require you to wait before making any changes to your policy.

For example, changing a car insurance policy after an accident is fine as long as you do so after the claim has been processed. That is to say, you cannot cause an accident, realize that your liability coverage is too low, and try to change your coverage in that instant.

Of course, if you’re unsure of when to change your limits, you can always call your insurance company and check in to see what you should do.

Now, if you’ve ever thought, “Will the changes I make to my policy buy car insurance?” Technically, yes, if you decide to increase your limits, that is essentially buying more car insurance.

Now, some drivers may be wondering, “Do changes I make to my policy alert a car insurance company?”

Some companies may receive an alert that a change has been made to your policy. So, you may receive a courtesy call just to confirm that you actually made those changes and that everything is just the way you want it to be.

What changes can drivers make to lower their rates?

Everyone is watching their wallets these days, and this has some drivers thinking, “Can you switch insurance at any time?” when they see their monthly insurance rate. The good news is that, yes, you certainly can if you find less expensive quotes online.

Changing car insurance mid-policy isn’t tricky if you do so to save money. Otherwise, if you like your insurance company, you can always make other changes to lower your rates.

Below is a great list of how much common discounts could potentially save you if you’ve ever wondered, “Can the changes I make to my policy affect car insurance rates?”

Potential Car Insurance Discounts

Discount TypeAverage Discount Percentage
Anti-lock Brakes5%
Anti-Theft5%
Claim Free5%
Continuous Coverage5-10%
Daytime Running Lights5%
Defensive Driver5-10%
Distant Student5%
Driver's Ed5%
Driving Device/App10%
Full Payment5-10%
Good Student5%
Homeowner5%
Low Mileage5%
Married5-10%
Membership/Group5-15%
Multiple Policies5-10%
Multiple Vehicles5%
Newer Vehicle5%
Passive Restraint2-5%
Safe Driver5%
Vehicle Recovery2-5%
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You can see for yourself how enacting some of these changes might change your monthly rates.

The next time you want to make changes to your policy, review this list. That way, you’ll be sure that you are taking advantage of every money-saving opportunity your company has to offer you.

Changing Your Insurance Policy: The Bottom Line

Your insurance policy can be just as unique as you are. Like you, it’s not a static entity but something that can constantly change.

Whenever you need to update your insurance policy or remove a driver, you can access your policy directly through the insurance company’s website or mobile app.

While you may need to speak with an insurance representative at times, making changes to your policy is a relatively easy task. Enter your ZIP code today and get free quotes if you’ve ever thought, “Will changes I make to my policy reduce my insurance rates?”

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