Spring is one of the best times to shop for car insurance. Here's why: winter driving ends in most areas, which means fewer accidents and weather-related claims. Insurers often lower their rates during this period to stay competitive.
When to Shop
Aim to get quotes in April or May. This gives you time to switch before summer rates potentially increase. Don't wait until June or July, when insurers may have already adjusted their pricing.
Why Spring Works
Insurance rates reflect driving risk. Winter brings snow, ice, and shorter daylight hours. All of these increase accident rates. Once winter ends, your risk profile improves. Insurance companies respond by offering better rates.
The shift isn't automatic though. You need to actively shop around. Insurers don't lower your rate unless you ask for new quotes.
What to Do
Start by gathering quotes from at least three companies. Most insurers let you compare rates online in minutes. Have your driver's license, vehicle information, and current policy details ready.
As you compare, check what each company includes. Some offer discounts for good driving, bundling home and auto insurance, or completing a defensive driving course. These discounts can save $200 to $500 per year.
Review your coverage limits too. Winter often means we drive less, but spring and summer bring more miles. Make sure your liability limits still match your needs.
Other Timing Factors
Beyond seasonal timing, your personal situation matters. Shop for insurance after major life changes: moving to a new address, adding a vehicle, or improving your driving record. These events can trigger lower rates.
If you've had no accidents or tickets in the past six months, mention this when getting quotes. A clean record from winter can save you money.
The Sidekick Edge
Tracking when rates typically drop and comparing multiple insurers takes work. Sidekick helps you monitor your insurance costs and alerts you when better rates become available. This way you never miss a savings opportunity.