With certain types of insurance, making changes to a policy isn’t necessarily easy — or even possible. Health insurance is one of those types. In most cases, it’s possible to switch insurance carriers only during open enrollment, unless a qualifying life event happens such as a change of jobs or a loss of coverage due to moving.
Life insurance can also be difficult to change, since adding more coverage or switching insurers could mean going through medical underwriting again.
Because of these restrictions, drivers may wonder whether it’s possible to change car insurance coverage freely throughout the year — or whether there are some limitations to be aware of before modifying coverage.
