Once you have reviewed your policy, updated your information and compared quotes, it is time to decide. Look beyond the price alone. Consider each company's reputation for handling claims, how easy it is to reach a real person, and whether its online tools fit how you like to manage your account.

If you are staying, confirm any changes you requested and review the updated declarations page to make sure everything is correct. If you are switching, set the new policy to start on the same day the old one ends, or slightly before, and then contact your current insurer to cancel. Ask whether you are owed a refund for unused premium.

Keep a copy of your new insurance card in your vehicle and on your phone, and update your lender if your car is financed. Make a note in your calendar for a few weeks before your next renewal, so you can repeat this checkup and stay on top of your coverage each term.