There's a simple reason Ramsey explains that exploring the types of coverage needed should be the first step drivers take if they want to make the process of switching insurers easier.
"A lot of people don't know how to switch car insurance because they don't really know what they need to buy," he explained. To figure this out, he suggested that drivers first look at the current coverage they have and then research what kind of protection it is so they can decide if it's necessary.