Can you switch auto insurance at any time? 
This is a common question most people have and the answer is yes , you can switch your insurance at any time . There is no mandate which states that you can not switch your insurance but the question is should you switch your insurance ? There are several things you want to consider before switching your auto insurance . The most common reason people switch their insurance is because of price . You will find that most states file insurance rates in January and June . So keep in mind depending on when you decide to switch your policy you could be hitting a price increase or decrease depending on what the state has filed . Switching your insurance once or even several times could actually hurt you . Companies are beginning to offer discounts such as loyalty discounts which dont kick in until you have been with them for so many years . Even though you may be saving $ 50 - $ 100 switching to another carrier you could be losing a lot more than that by not staying with your current insurance company . You may find loyalty discounts to range from 5 % -20 % depending on the company which could save you hundreds of dollars . But every situation is different so be sure to consider when your switching your insurance and what discounts you may or may not be losing . 