, customers who have never had a car insurance policy before can expect to pay between 7% and 12% more for their first policy than customers who are renewing a policy, or who have had insurance consistently for the past six months.
The Zebra notes that that this doesn't apply in California, where state laws restrict car insurance companies from taking insurance history into consideration. In the other 49 states, however, the average new car owner could save about $126 per year by shopping around for coverage after six months.Unlike many other contracts, you're not locked into your car insurance. You can change car insurance policies anytime, generally without a penalty.
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