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deciding to switch your insurance company is never an easy decision knowing when and how to do it can be difficult or even knowing whether you should do it at all if its going to mean a better deal and money saved then switching might seem like a no-brainer however you want to make sure you do it right and that you dont have any time where the insurance is lapsed you also want to make sure that you are still getting the full coverage that you actually need to keep your and your finances protected here is what you should do to make the transition as smooth and painless as possible when and how to switch your insurance what are you getting you want your new policy to give you exactly what your old policy did if not more theres no point in jumping the gun for a lower rate if the coverages are not equal to what you were receiving from your previous insurance company review and match all of the features your old policy and new policy have to offer check the