Author: Rob Sliver 作者：罗布条子
Article source: http://www.insurance.com/ . 文章来源： http://www.insurance.com/ 。 Used with author's permission. 用作者的许可。 It may be easier than you think! 它可容易得多您的想法！ There are many reasons why you may choose to move your auto insurance coverage to another company.原因有很多您可以选择将您的汽车保险，另一家公司。 You might have changed jobs and are eligible for a group discount through another insurer, or maybe you're unhappy with the service that your present company provides.您可能已经改变了就业机会和有资格获得折扣一组通过另一家保险公司，或者您不满意的服务，您的本公司提供。 Perhaps you've simply found another company willing to offer you the same level of coverage for considerably less money.也许你只是发现了另一家公司愿意为您提供同样水平的覆盖面大大低于钱。 Nowadays, many insurance companies provide 24-hour rate information through their toll-free numbers or websites, so investigating your options has never been easier.如今，许多保险公司提供24小时的速度通过他们的信息拨打免费电话号码或网站，以便调查您的选择从未如此简单。 Another valuable source of information is your state's Department of Insurance.另一种宝贵的信息来源是所在州的保险部。 Why switch to a new insurance carrier? 为什么切换到新的保险呢？ Regularly review your auto coverage to make sure that you're receiving the best insurance value for your money.定期检阅您的汽车覆盖，以确保你得到最好的保险价值，你的钱。 You'll discover that it pays to shop around.你会发现，它支付给货比三家。 In some states, premiums for identical policies vary widely among different companies.在一些州，保费相同的政策差别很大不同的公司。 The reasons for this price variation can be very complicated, but they boil down to a company's claims experience with policyholders in your coverage group (eg people of similar age, number of accidents, type of vehicle).这种情况的原因是价格的变化可以非常复杂，但它们归结为一个公司的索赔经验，投保人在您的覆盖面组（例如类似的人的年龄，事故数量，类型的车辆） 。 For example, if a large number of people in your coverage group files claims during a given year, your rates will likely rise.举例来说，如果大量的人在您的覆盖率组文件要求在某一年，你的利率可能会上升。 When this happens, better discounts and lower overall premiums may be available at other companies, although some states strictly regulate the price of coverage.当这种情况发生，更好的折扣，降低整体保费，可在其他公司，虽然有些国家严格管制的价格范围。 When you decide to switch your auto insurance to another company, you'll find that it's fairly easy to do so.当您决定将您的汽车保险给另一家公司，你会发现，它很容易这样做。 How to cancel your old policy 如何取消您的旧政策 Generally, all you need to do to cancel your auto policy is to inform your insurance company in writing, specifying the date you want the policy canceled.一般而言，所有你需要做取消您的汽车政策是要通知你的保险公司，以书面形式指定的日期要取消的政策。 In some states, your new agent must notify your previous agent of the policy change.在一些州，新的代理人必须通知您以前的代理政策的改变。 Some companies ask that you send back the actual printed policy.有些公司请您发回的实际印刷的政策。 Your insurance company will send you a cancellation request form that you should sign and return.您的保险公司将会寄给您注销申请表，你应该签署并返回。 Examine the form carefully to make sure that all information regarding your policy is correct.检查的形式仔细，以确保所有有关你的政策是正确的。 If you do not receive such a form within two weeks of sending your letter, call your agent or the company immediately to check on the status of your cancellation.如果您没有收到这样的形式在两个星期内把你的信，请你的经纪人或公司立即检查状态的取消。 Don't just walk away from your old policy without formally canceling it.不要只离开你的旧政策没有正式宣布取消它。 Otherwise, the insurance company might assume you wished to continue your coverage, and it might eventually terminate the policy for failure to pay premiums and report your lack of coverage to your state's Department of Motor Vehicles.否则，保险公司可能会承担您希望继续你的覆盖面，并最终可能会终止该政策未能支付保险费和报告您的缺乏覆盖到您的国家部机动车辆。 This can hurt your credit rating and your ability to get a new policy.这可能伤害你的信用评级和你的能力得到了一项新政策。 Be sure to get a new policy first 一定要新的政策首先 Always have a new policy in place before canceling your old auto insurance coverage.始终有一个新的政策，取消之前，您的旧汽车保险覆盖面。 You don't want to have a gap in protection for even one day.你不想有差距的保护，甚至一天。 Fortunately, there is little danger of this happening.所幸的是，有没有危险，这种情况发生。 Most states require all drivers living within their borders to carry a minimum level of auto insurance.大多数国家要求所有司机生活在其境内进行最低限度的汽车保险。 So, most insurance companies now require policyholders to present proof of new coverage before they will cancel an active policy.所以，最保险的公司现在要求投保人出示新的覆盖面之前，他们将取消积极的政策。 You may need to show your old carrier copies of a new insurance identification card or the Declarations Page of your new policy.您可能需要显示您的旧承运人副本一个新的保险身份证或宣告页的新政策。 Your new company will be able to time the onset of your new policy to coincide with the cancellation of your old coverage.您的新公司将能够开始的时间您的新政策，以配合取消了旧的覆盖面。 When to switch policies 当切换政策 The best time to switch auto insurance carriers is just before your old policy is about to renew.最佳时间开关汽车保险运营商仅仅是在旧的政策是要延长。 This will allow you to avoid paying for printing and start-up expenses the company incurs as part of the policy renewal process.这将允许您避免支付印刷及开办费用，公司承担一部分的政策更新过程。 You also avoid the inconvenience of figuring out the amount of any unused premium that should be returned to you.您还避免了不便搞清楚的数额任何未使用的保险费，应当退还给您。 A renewal notice will be sent to you approximately a month before a new policy period begins, depending on the regulations in your state.续期的通知将发送给您大约一个月前一项新的政策时期开始，根据条例中的状态。 The notice will describe your coverage, discounts, and the amount of premium you owe.该通知将描述您的覆盖面，折扣，和数额的保险费你欠。 Should you decide to switch policies, you'll need to line up a new policy by the time your current policy renews, although most states allow about a month after renewal to switch.如果您决定开关的政策，您需要按照新的政策的时候，您的现行政策再次，虽然大多数州允许大约一个月后，延长开关。 If you miss the deadline, you may end up paying a cancellation penalty.如果你错过了最后期限，你可能最终付出了取消死刑。 You don't have to wait until renewal 您不必等到续期 All standard auto insurance policies contain a provision giving you the right to cancel your policy at any time, once proper notice is given to the insurance company.所有标准的汽车保险政策包括提供给你的权利取消你的政策在任何时候，一旦适当通知给保险公司。 You don't necessarily have to wait until renewal time.你不一定要等到延长时间。 Cancellation after a policy has renewed is most convenient at the end of a payment cycle.取消后，新的政策是最方便的末尾的付款周期。 That way, you're not forced to deal with recovering the unused portion of your paid premium.这样，你就不会被迫处理收回闲置部分的支付保险费。 But if you choose to cancel in the middle of a cycle, the company will prorate your latest premium payment up to the cancellation date and return the remainder to you.但是，如果你选择取消中间的一个周期，该公司将最新的按比例缴费直至取消日期和返回，其余给你。 However, a special "short rate" (cancellation penalty) will be deducted to pay the administrative costs of renewing the policy.然而，一个特殊的“短期利率” （取消死刑）将扣除支付行政费用的革新政策。 How long does it take to switch? 多长时间可以转？ When you switch companies, your new agent or insurer can execute the change in as little as one day.当你开关公司，您的新代理人或保险人可以执行的变化在短短的一天。 You'll need to provide a cancellation date, your former agent's name, and the name of the insurer.您需要提供一个取消日期，您的前经纪人的姓名，名称的保险公司。 It would also be helpful to show your new agent a copy of the old policy's specifications page in order to match the coverage.这也将是有益的，显示您的新经纪人一份旧政策的规格网页，以比赛的覆盖面。 Please note that this description/explanation is intended only as a guideline.请注意，这说明/解释只是作为一项准则。 For more information about auto insurance please go to: Insurance.com如需更多关于汽车保险，请访问： Insurance.com Author: Rob Sliver作者：罗布条子
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