7 Life Changes That Should Prompt an Auto Insurance Checkup

1. You purchase a car

Acquiring a vehicle requires that you contact your insurer or insurance agent to add the car to your policy; you can cancel the insurance on your old car, too, if you no longer own it. That contact with the insurance company provides a good opportunity to review your coverage and make adjustments as needed for the new car. 

If you purchase a new (or newer used) car with a loan, the lender will require you to maintain full coverage, meaning a policy with liability, collision and comprehensive coverage. But, even if you don't take out a loan, full coverage may be a good idea to protect you and your new car. 

Other changes to coverage for your new vehicle might include increasing the deductible on your policy, which could trigger lower rates. Such an increase could make sense if you’re more able now to absorb a higher share of the cost of repairs after an accident – or your premium on the new car is higher than on the old one, and you’re looking for ways to save.

2. Your child starts driving

When your child starts driving, you're likely experiencing a mix of emotions. On one hand, you're excited that your child no longer has to rely on you for a ride. On the other hand, you're worried about their safety as a new teen driver.

When your teen starts driving, contact your insurer to add them to your policy. And, review your coverage to ensure your child has adequate protection. For example, you may want to add roadside assistance to your coverage in case your child experiences a flat tire or other emergency.

3. Your commute changes

As you navigate your career and reach different life milestones, chances are your commute may change too. 

If you switch to working remotely or get a new job that’s closer to home, contact your insurance company; since you're driving fewer miles, you may be eligible for a discount on your premiums.

A check-in is wise, too, if you’ll be driving farther to work, so your insurer is aware of this. It’s unlikely your premiums will rise, especially if you work with the company to find other cost savings you may not be fully enjoying now.

4. You move to another state

When you move to another state, you'll likely have to adjust your car insurance, even if you stick with the same insurance company. Insurance rates, requirements and minimum coverages vary by state. 

For example, some states require insurance policies to include uninsured/underinsured motorist protection and others do not. The same applies to personal injury protection or medical payments coverage, which cover the medical bills for you and sometimes your passengers. When you move, check the insurance requirements in your state. It may help you understand whether or not you may need to buy different coverage than you had before.

5. You buy a home

Homeownership is still a common goal for adults of all ages. In fact, a 2024 study from RE/MAX found that 63% of Gen Z and Millennial respondents said they wanted to become homeowners in the near future. 

If you buy a home, consider reviewing your auto insurance too. A key reason is that some insurance companies offer a multipolicy discount if you buy your car insurance and homeowners insurance in a bundle. 

With other insurers, including Amica, you may qualify for an auto insurance discount as a homeowner even if you don't have your homeowners insurance through that company. 

Discounts vary by insurer, but you can typically save 5% to 10% on your combined car and homeowners insurance by bundling them.¹

6. You begin a new part-time job

Since how (and how much) you use your car can affect your insurance needs, you should check in with your insurer if you start an additional job for which you use your car. 

For example, if you begin delivering groceries or takeout orders or drive passengers, you may need a separate car insurance policy or a rideshare insurance rider. Otherwise, you won't be covered while driving for work, since your personal auto policy may not provide coverage for your vehicle being used for business purposes.

7. You get married or divorced

If you get married, you may qualify for a multicar policy discount. Adding your spouse to your policy is usually cheaper than buying separate policies.

If you get married – or experience any other major life change – follow these steps to keep your auto insurance policy up to date:

• Contact your insurance company: Be sure to promptly notify your insurance company to notify them of any changes or to discuss your policy. Your representative can help you figure out if you need additional coverage or what options may be helpful. 
• Check your coverage: Review your coverage and policy limits to ensure you have enough protection for your vehicle and assets. 
• Ask about discounts: Be sure to ask your representative about any potential discounts. You may qualify for reductions in your car insurance rates you didn't know about, such as discounts for maintaining good grades, paying your premiums up front each year, or bundling your policy with homeowners or renters insurance.