Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Reviewed by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Apr 7, 2022

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Here's What You Need to Know

  • Only the policy owner can make changes to an auto insurance policy
  • If you are the policy owner, the changes you make will go into effect immediately
  • You are allowed to switch to a new insurance company at any point

“After finding the best Florida car insurance coverage and signing up with a car insurance company, will changes I make to my policy go into effect quickly?”

If you’re like many other drivers who have typed, “how to change my insurance plan” into your search engine, you’ll be happy to learn that you can easily make changes to your policy, either by using your insurance company’s mobile app to adjust your policy or calling your insurance representative directly. The adjustments that you make to your policy will be finalized right away once you confirm the changes.

Once drivers understand how easily they can revise their policy whenever they need to, the next question on their mind typically tends to be, “Will I be able to get cheaper car insurance rates when changes I make to my policy are finalized?”

If you sold a car and you remove it from the policy, you could get lower rates (of course, the changes you make to your policy need to be accurate). That being said, if your teenage daughter just got her license and you add her as a driver on your insurance policy, you could see your rates increase.

Do a driver’s changes to an insurance policy go into effect immediately?

When you make a change to your insurance policy, you should expect to see those changes go into immediate effect. But if you have multiple drivers listed on your policy, who has the authority to make changes to an insurance contract?

Only the owner of the insurance policy can make any changes to the policy. While the insurance company is well within its rights to cancel the policy if you have committed any type of insurance fraud or have proven to be too high a risk to insure, the company can’t simply start meddling with your coverage limits or deductibles. The other drivers on your policy can’t do that either.

Let’s say that your teenage daughter who was just added to your policy as a driver thought that your coverage limits were too low. If she called your insurance representative to make those changes, the insurance representative would only be able to describe the coverage limits and explain how any coverages listed on the policy worked to protect the drivers and vehicles on the policy. Without your approval, no changes would be made to the policy.

Of course, if you, the policy owner, called the insurance representative and requested that your liability limits be raised from 25/50/25 to 100/300/100, those new limits could be activated before you even ended the phone call.

Also, bear in mind that changing a car insurance policy after an accident is not so simple. Let’s say that you never raised your coverage limits and learned that your teenage daughter was in an accident that will exceed your limits. If you tried to raise your limits upon learning this fact, your insurance company wouldn’t allow you to. The limits you have at the time of an accident are the limits that will be available when the other driver files a claim.

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Are drivers forbidden from changing car insurance mid-policy?

Can you switch insurance at any time during your policy period? You most certainly can, and finding a new insurance company in this day and age is incredibly easy when you shop online. Now, you may very well be wondering, “When I compare auto insurance quotes, will changes I make to my policy help me find the best policy for my insurance needs?”

This is precisely why more and more drivers are shopping for Florida discount car insurance online. When you have a digital quote pulled up on your computer screen, you can adjust your coverage limits, play with your deductibles, and add or remove cars to find a policy that will work for you at the moment and, hopefully, throughout the years as your insurance needs change.

Now, if you’re excited to find a better insurance company but are overwhelmed by the sea of insurance companies filling up today’s marketplace, use this chart to guide you. Below, you can examine which major insurance company could be the best fit for your age demographic:

Florida Car Insurance Rates: Gender, Age, Married vs Single
CompanySingle Female Age-17 Single Male Age-17Single Female Age-25 Single Male Age-25Married Female Age-35Married Male Age-35Married Female Age-60Married Male Age-60
Allstate$15,906$17,179$4,593$4,639$4,653$4,423$4,040$4,090
GEICO$5,343$6,713$3,293$3,344$2,987$3,001$2,794$2,794
Liberty Mutual$7,860$12,117$3,711$5,037$3,711$3,711$3,399$3,399
Nationwide$7,315$9,014$3,347$3,484$3,040$3,001$2,710$2,806
Progressive$10,513$11,454$4,509$4,303$3,736$3,523$3,201$3,428
State Farm$6,166$7,833$2,399$2,556$2,159$2,159$1,955$1,955
USAA$5,638$6,552$2,060$2,226$1,646$1,619$1,536$1,525

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After reviewing these sample rates, you’re probably wondering, “Will I get more affordable car insurance through changes I make to my policy?” If you make certain changes, you certainly could see savings pile up in your bank account.

Changes Drivers Can Make to Lower Their Rates

While you could raise your deductibles to lower your rates, that is not a viable option for every Florida driver. Instead, consider adding discounts to your policy.

Adding every discount that you are eligible for onto your policy is a change that requires minimal effort, and yet, this change could produce maximum rewards. You may be surprised at just how many discounts you could potentially take advantage of. The next time you review your policy, use this list of common car insurance discounts to verify that you are not missing out on any opportunity to save money:

  • Multi-policy
  • New car
  • Anti-theft device
  • Paid-in-full
  • Paperless billing
  • Customer loyalty
  • Accident-free
  • Defensive driving course
  • Good student
  • Emergency deployment
  • Multi-car
  • Low annual mileage

Aside from adding discounts to your policy, you should take the time to make sure everything on your policy is up to date, as doing so could also save you money. For example, if your child decides that they want more control over their insurance and buys their own insurance policy, you would be able to remove them and their vehicle from your policy.

Not only that, but if you had a car that once needed full coverage and had now aged considerably, you could potentially reduce that full coverage to liability only.

There are many changes you can make to save money on your insurance policy and switching to a new insurance company is just one of them.

Changing Your Insurance Policy: What You Need to Know

“When I buy car insurance, can changes I make to my policy help me make my insurance more affordable?”

Since the changes you make to your policy go into effect right away, you could reduce your rates in no time at all. And you don’t have to worry about someone else making adjustments to your policy even if other drivers are listed on the policy. The only person who can finalize any change is the policy owner.

Now, if you’re trying to save money on your insurance, make sure that you review it regularly so you can verify that no cars or drivers are listed that shouldn’t be and that every discount you deserve has been applied.