How Often Should You Shop Around for Insurance?
When was the last time you reviewed your insurance policy—or compared rates from other providers? If it’s been more than a year, you could be leaving money on the table.
Shopping around for insurance doesn’t have to be stressful or time-consuming. In fact, it’s one of the easiest ways to save money without changing your lifestyle or reducing your coverage.
Why It Pays to Shop Around
Insurance companies adjust their rates regularly based on:
Market conditions
Local claim data
Your driving record or credit score
Changes in your life (home purchase, marriage, job, etc.)
Even if your situation hasn’t changed, your rate might have.
How Often Should You Compare Rates?
Every 12 Months
Most experts recommend reviewing your insurance policies once a year, especially if:
Your premiums have gone up
You’ve had a life change (move, marriage, new car)
It’s been more than two years with the same provider
After Major Life Events
Any of the following may affect your coverage needs or pricing:
Buying a home
Having a child
Changing jobs or income levels
Paying off a vehicle or loan
When Your Coverage No Longer Fits
If you added coverage years ago that no longer applies—or if you’ve never adjusted your deductibles—you might be paying for protection you don’t need.
What to Compare When Shopping
Premiums: Monthly or annual cost
Deductibles: What you’ll pay out of pocket if you file a claim
Coverage limits: How much protection you actually have
Discounts: Multi-policy, safe driver, loyalty, and more
Claims service: How quickly and fairly the company handles claims
Why Local Advice Matters
Online quote tools are helpful—but they don’t always account for local risks, like:
Severe winter weather
Rural road conditions
Cambria County-specific pricing zones
That’s where a local agent can help you compare providers, explain differences in coverage, and ensure you’re not just saving money—but staying protected.
Ready for a Coverage Check?
At Ebensburg Insurance, we help individuals, families, and small businesses throughout Cambria County find the right balance of coverage and cost.
We shop multiple carriers, explain your options clearly, and help you switch with zero stress.
Contact us today for a free, no-obligation policy review.
Serving Ebensburg, Bellwood, Carrolltown, Northern Cambria, and surrounding areas.
Locally trusted. Community focused. Serving Cambria County and beyond.
