When Should You Review Your Auto Policy?

A Quick Guide for California Drivers

Your auto insurance policy shouldn’t be something you set up once and forget. Life changes and when it does, your coverage should too. At Cal-Society Insurance Services, we recommend reviewing your California car insurance policy regularly to make sure you’re properly protected and not overpaying.

Here are the key times you should review your auto policy:

1. When You Buy or Replace a Car

A new or used vehicle can significantly change your car insurance rates in California.

• Financed vehicles usually require full coverage auto insurance
• Luxury or electric vehicles may increase premiums
• Older vehicles may not need comprehensive and collision coverage

Before driving off the lot, make sure your coverage fits your new vehicle.

2. After a Major Life Change

Certain life events directly affect your auto insurance premium, including:

• Moving to a new ZIP code
• Getting married or divorced
• Adding a teen driver
• Changing jobs or working from home

Your location and household drivers impact your auto insurance quote, so it’s smart to update your policy right away.

3. After an Accident or Ticket

Accidents and traffic violations can increase your rate — but they’re also a good time to reassess your protection.

You may want to:

• Increase liability limits
• Adjust deductibles
• Compare new auto insurance quotes in California

A quick review ensures you’re not left underinsured.

4. At Least Once a Year

Even without major changes, reviewing your policy annually helps you:

• Check liability coverage limits
• Confirm available discounts
• Compare rates for affordable auto insurance
• Make sure your coverage matches your financial goals

Insurance markets change, and so do rates. A yearly review keeps you ahead.

Why It Matters

Failing to review your auto insurance coverage could mean:

• Paying too much
• Missing discounts
• Not having enough liability protection
• Gaps in coverage after a life change

California’s minimum liability limits may not fully protect you in a serious accident. Making sure your policy is updated can protect both your vehicle and your finances.

Get a Free Auto Insurance Review Today

If it’s been over a year or you’ve recently experienced a major change, now is the perfect time to review your policy.

Cal-Society Insurance Services offers:

• Free auto insurance policy reviews
• Competitive California car insurance quotes
• Affordable full coverage and liability options
• SR-22 insurance and commercial auto insurance solutions

📞 Call 1-800-773-1663
🌐 Visit www.calsociety.com

Make sure your auto insurance policy in California still works for you — not against you.