When Should I Shop Around for New Car Insurance?
Shop for new car insurance 30 to 60 days before your policy renews. This window lets you compare rates and switch if you find a better deal. December ranks as another top month. Insurers file rate changes then for the year ahead. Quotes stay lower before hikes hit.
Your 2024 Hyundai IONIQ 6 in ZIP 10281 costs about $2,200 per year for full coverage now. Rates rise 12% in 2025 from inflation. Similar EVs in New York areas hit $3,000 yearly on average. Shop early to lock in lower prices. Your IONIQ 6 gets perks from top crash scores. Urban ZIP 10281 still pushes costs up.
Nationwide full coverage averages $2,000 to $2,500 in 2025. New York drivers pay more. Loyal customers face rate hikes over time. Shop every 6 to 12 months to save up to 20%.
Key Times to Compare Rates
- 30-60 days before renewal: Check your notice. Compare rivals. Switch to save hundreds. Finish a week before your old policy ends to avoid gaps.
- December: Get quotes before January rate jumps.
- Life events: Buy your IONIQ 6? Shop now. Clean record? Compare rates. Add a teen driver? Find deals fast. Move or change coverage? Test the market.
Why Shop Around?
Loyalty raises your rates. New customers score better deals. Match coverage limits for real savings. Your IONIQ 6 qualifies for EV discounts. Location drives the biggest impact.
| Factor | Impact on Your IONIQ 6 Rates |
|---|---|
| Current Average (ZIP 10281) | $2,200/year full coverage |
| 2025 Projected Rise | +12% to ~$2,464 |
| NY EV Average | $3,000/year |
| Nationwide Average | $2,000-$2,500/year |
Shop at these times to beat increases.
Action Steps
- Check your renewal date. Start 45 days early.
- Gather details: VIN for your 2024 IONIQ 6, driving record, ZIP 10281.
- Get 3-5 quotes online in 15 minutes.
- Pick the best. Buy 10-14 days before renewal for discounts.
- Cancel old policy after new one starts.
Sidekick tracks insurance for your IONIQ 6 and alerts you before renewals.
Shop anytime. No rules tie you to one carrier. These times yield the best savings. Start today to lower your bill.