Sometimes, your circumstances change, and switching insurance becomes necessary during a policy period. Just yesterday, I helped a new customer buy insurance because they purchased a brand-new car without first checking with their insurance company how much it would cost to add it to their policy. I saved them $600 a year (just like the commercials say) and offered them better coverage than what they had. I don’t suggest you switch insurance companies in the middle of the policy period. From an insurance credit score point of view, it’s better to wait until renewal. This example would be an exception because something changed.