Discover the Pacific Unified Advantage in Business Insurance and Personal Insurance

For over 90 years, we have been protecting our customers from the unexpected. Whether it is business or personal, you can feel protected with us. Not only do we help protect businesses, families and individuals with their insurance needs, we help our community. Giving back to the community that supports us is a something we value very highly!

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When is the Best Time to Shop for Insurance?

when is the right time to shop for insuranceThere are two basic times to shop for insurance – when your current policy is set to renew and at any other time while your policy is in force. There are benefits to both methods; if you receive a renewal, you might be able to find a better deal by shopping around or shopping early. If you are not happy with your current insurance agent or company, then shopping midterm, before your renewal is due allows you to sever ties and get that unwanted connection out of your life. The time of year or individual month doesn’t matter as much as where you are in your current policy and your reason for shopping around.

Receive a Renewal Notice? Get Shopping!

While you can shop for new insurance at any time, switching your policy over on the date you are scheduled to renew makes the most sense. If your rates seem too high or have gone up, then start shopping around when you get that renewal notice in the mail. Most insurers will send your renewal paperwork at least a month before the renewal date. Shopping when you receive your renewal notice allows you to:
  • Review the most recent declarations page and make sure you have all the insurance you need
  • Use the declarations page to list exactly the coverage you want from a new insurer; you’ll be able to get a true idea of how much you can save by comparing the same coverage from two different providers
  • Make a hassle free break from your current company if you decide to switch; you won’t owe them money and they won’t have to issue you a refund
  • Have time to shop around for the best deal, without the pressure that comes when you try to switch at the last minute
  • Some insurers reward customers who shop early with extra discounts to make the switch; shop at least a week ahead if you are interested in extra savings.
Review your renewal paperwork carefully, since your rates may be going up. Take a look at the new terms and then decide if you need to talk to your current agent or even start shopping around and checking out rates from other companies.

Just Can’t Wait? Shop Any Time

If you’re not happy with your current personal insurance coverage, you can shop around at any time. In most cases, you’ll be refunded for any unused premiums and won’t face a penalty for shopping around. If you do feel like you want to make a switch mid-term, get a copy of your most recent declarations page so you have something to compare the new coverage quote to. Never let your current insurance lapse while you shop around. You could face penalties from lenders and even the DMV if you allow car or homeowners insurance to lapse or don’t stay up to date on your payments while you shop around. If you do decide to switch before your renewal date, you’ll be able to pick the day you’d like to make your monthly payments. The day you start the new policy will determine your due date; if you have a preference, time your new policy to be due on your preferred timing. Whether you've received a renewal notice or just want to make a switch, we can help; contact us to learn more about your insurance options and to find the perfect policy for you. Have a question about your current personal, home, auto or life insurance policy? Would you like a n-obligation second opinion? Give us a call at Pacific Unified Insurance for a detailed analysis of your insurance needs or just a quick answer to a simple question.

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We’re always looking for ways to educate consumers about perils in their daily life. Check out our Blog to see how you can stay better protected!

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Featured Team Member

Featured Team Member

David Leahy


Born and raised in Southern California, Dave was educated at Loyola High School and Arizona State University. After graduation, he founded two successful restaurants in Arizona, eventually selling them to move back to California. He began his insurance career working for…

Read More About Dave Here


Our History

We have been in business for over 90 years. Over that time, we have had a lot of great clients and some even better stories!

We are currently licensed in over 20 states.

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