How Your Car Insurance Should Change as Your Life Changes
Your auto insurance shouldn’t stay the same forever. As your life evolves, your coverage should adapt with you.
Life Changes That Affect Auto Insurance:
New vehicle purchase
Moving to a new area
Adding or removing drivers
Changes in commute or work schedule
Paying off a vehicle loan
Adding safety or anti-theft features
Each of these events can impact both coverage and cost.
Don’t Set It and Forget It
Many drivers select an insurance policy once and never revisit it. But reviewing coverage regularly ensures:
You’re not overpaying
You’re protected based on how you actually drive
Discounts are applied where eligible (good driver, multi-vehicle, bundling, etc.)
At Tom Gotham Agency, we encourage clients to check in at least once a year — not to upsell, but to make sure the coverage still fits.
