This is the time for changes. When comparing policy terms and conditions, use a similar policy. Consider policy cost and the kind of customer service provided. My current auto insurance company won me over with reasonable prices and excellent customer service. Most insurance companies have web sites or 1-800 numbers at your disposal 24 hours a day.
Customer service includes the way in which claims are paid.
These institutions periodically rate insurance companies. So, you've reviewed the policy. Now it's time to shop around . However, that money is in my emergency fund in the event I'm involved in an accident. It's not a safe bet to not have those funds saved somewhere.