Switching is straightforward and rarely costs you anything. First, request your current declarations pages from your captive agent or download them from your carrier’s app. Next, share them with the independent agency you’re considering. The agency will obtain comparison quotes from multiple carriers, typically returning options within 1-3 business days for personal lines and 5-10 days for commercial. Once you select a new policy, the independent agent handles cancellation of the old policy and binding of the new one. There’s no penalty for canceling mid-term in most states — you’ll receive a pro-rated refund.
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