Yes, it is okay to change auto insurance companies every 6 months. If anything has changed about your situation — your car insurance premium increased, you got a new job, you moved, bought another or different car, have a new driver in your household, your driving record has gotten better, etc. — it pays to shop to make sure you are getting a good deal. My list of leading auto insurance companies make getting multiple auto insurance quotes easy.

I shop my insurance once a year, 30 days before my renewal date, and whenever my situation changes. I know the price difference and savings can be big enough to make it worth my time to shop for a better auto insurance rate.

Often, I find a better rate and switch to the new insurance company. But not always. The savings has to be more than $50 a year, or the insurance company has to have a better reputation or better coverage for me.

Saving money is important, but I’ll stay with the same insurance company until I can save a good amount of money by switching to another auto insurance company. And I do save a lot of money switching insurance companies yearly, even though my risk profile(same car, same driving record, same home address, etc.) has not changed over the last few years.

Some insurance companies offer lower rates, when you contact them for a quote, if you have been continuously insured with the same insurance company for a period of time — such as 5 years.

You should always check what advantages you have with your current company, as I discussed in yesterday’s blog post, before you switch to your new company.

However, if your current company says you will get a long term discount in a year or two, find out the percentage of the discount, and how much money you will save with it. If you can save more by switching now, don’t stick with your current company waiting for the discount. I have seen many long term policy discounts not make up for the rate increases insurance companies sometimes have at your policy renewal.

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Whether you have been insured with an auto insurance company for 30 days, or 30 years, legally, the insurance company is obligated to settle any claim the same way. Long term customers do not get claims paid which would otherwise not be covered, or higher settlements, because they are long term customers.

Insurance companies do value their long term customers greatly, but customers do not really get anything for their loyalty. Sometimes, long term customers get more flexibility with reinstatement and underwriting, but that has become less beneficial over the years, as insurance companies standardize their procedures to treat customers equally.

In the old days, a lot of insurance companies made individual judgment calls to make exceptions to their procedures. I know of a situation where a customer received an alcohol-related driving offense, but because it was unusual circumstances and a long term customer, the policy was not canceled, and the customer continued to pay standard rates, which is rare when that type of event occurs. Now, I don’t think the exception to keep the policy would be made. Many insurance companies have defined rules, and no longer make exceptions, for things like when they will non-renew policies, and there are no allowances for an alcohol-related driving offense. Even back when exceptions were made, it is unheard of to make exceptions for alcohol-related offenses, so the customer benefited from having a great agent.

Even in the old days (15-20 years ago), for the insurance company, it is all about making the most profitable decision. I was in a meeting, back in the 1990s, deciding which auto insurance policies to cancel at renewal. There was a customer who had an at-fault accident, and their first claim, after being insured with us for over 30 years. Because the customer was of advanced age, management decided there was too much risk of another claim versus how much in premium the customer would pay until they died of old age. So, they decided to cancel the policy at renewal. Even now, few states regulate auto insurance companies regarding canceling an auto insurance policy at renewal, and in many states, you can cancel an auto insurance policy at renewal for only one claim. Don’t be loyal to insurance companies, be loyal to yourself, and do what you need to do to save money. The insurance company will not show any loyalty to you if they think it is going to cost them money.

People pay too much for insurance because most people never shop for better rates. If they do shop, they don’t check the rates of enough companies. For a lot of people, the best auto & home insurance companies are the ones with the coverage they need at a lower price. With auto & home insurance, you don’t get better service or coverage because you pay more. Some of the best companies have competitive rates. Some companies charge twice as much as others for the same coverage. But no single company has low rates for everyone. You have to shop with all the leading companies, to find the company with the best coverage and best price for you.

Have often do you switch auto insurance companies? Comment on my facebook page. Follow me on Twitter for important insurance consumer news and new blog entries at CarInsWatch. See auto & home insurance company reviews rating each company’s pricing, claims handling and customer service for over 40 different companies; customer complaint analysis for the major insurance companies in each US State; term life insurance rate surveys and more, on my website’s home page at smartshopyourcarinsurance.com.