I am new to the ins and outs of having auto insurance. And for those who are like me you want to know enough to make an informed decision. In my quest to find out as much as I can about auto insurance I have learned that if your policy has lapsed for whatever reason that it costs more when you get a new policy. With that said if you are looking to switch insurance agencies it is beneficial to switch while your current policy is still active. If you find that you need to switch for financial reasons to reduce costs, go over the coverage details to find out where you can save e.g. increasing your deductible or decreasing the medical coverage even eliminate the car rental option, these items can be restored when you find your finances in a much more viable state. Doing this will keep your status with your current agency intact to receive any future discounts that you may be entitled to for being a loyal customer.