5 Signs It’s Time to Renew Your Car Insurance and How to Choose the Right Plan

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Many car owners make the mistake of waiting until the very last day—or worse, until their policy has already expired—to renew their car insurance. But did you know that renewing early or switching providers at the right time can save you money and get you better coverage?

Here are 5 critical signs that indicate it’s time to look for a new car insurance plan, along with tips on how to choose the best one for your needs.

1. Your Policy Expires in Less Than 3 Months

You don’t have to wait until the expiration date. In fact, industry experts recommend renewing 1-3 months in advance.

• Why? Insurance prices fluctuate. Renewing early locks in today's price. Plus, it ensures there is zero "gap" in your coverage. If you let it expire even for one day, an accident during that time could cost you a fortune.

2. Your Daily Routine Has Changed

Has your lifestyle shifted recently?

• Driving Less? If you switched to working from home (WFH) or moved closer to the office, you might not need the most expensive premium anymore.
• Driving More? If you now commute long distances or drive into the city daily, you might need to upgrade to Class 1 insurance for maximum peace of mind.

3. Your Car is Getting Older (The 5-7 Year Mark)

As your car ages, its market value decreases.

• If you are still paying a high premium for Class 1 insurance on a 7-year-old car, check if the coverage is still worth the cost.
• Tip: Switching to Class 2+ might save you up to 50% on premiums while still covering theft, fire, and accidents with other vehicles.

4. You Were Unhappy with Your Last Claim Experience

Did you have a fender bender this year? How was the service?

• If the insurance company was slow to respond, the call center was rude, or the garage options were terrible, do not renew with them.
• The renewal period is your golden opportunity to switch to a provider known for excellent service.

5. You Want to Save Money

If your budget is tighter this year, sticking with the same auto-renewal plan is rarely the cheapest option.

• Insurance companies often increase premiums or keep them high for loyal customers who don't compare prices.
• Action: Compare quotes from at least 3 companies to find a better deal.

How to Choose the Right Insurance Plan

• Choose Class 1: If your car is new (0-5 years), you are a new driver, or you want full protection against scratches, dents, and accidents without a third party.
• Choose Class 2+: If you are an experienced driver, your car is over 5 years old, and you want to save money but still be protected against major risks (Collision, Fire, Theft).
• Choose Class 3+: If you rarely drive or have a limited budget, but still want protection for your own car in case of a collision with another vehicle.

Don't wait until the last minute! At Motorist Thailand, we make renewing insurance easy. We compare the best quotes from top insurers for you, ensuring you get the coverage you need at the price you want.

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