Whether you have been with the same auto insurance company for years, or you just signed on with them in the current year, you have the right to change to a different insurance company at any time (usually) without penalty.  There are many reasons to switch car insurance companies. You might be unhappy with the service that your present company provides, or perhaps you've simply found another company willing to offer you the same level of coverage for considerably less money. Nowadays, performing a regular car insurance rate check-up and investigating your options has never been easier. When you decide to switch your auto insurance to another company, you'll find that it's fairly simple to do so.