Five moments to revisit your auto insurance

Auto coverage is easy to forget about until something changes. A short review can help you see whether your drivers, vehicles, limits, and deductibles still match real life.

1. A new driver joins your household

A teen driver, partner, or other household member may affect how your policy is written. Call your agent before assuming someone is covered.

2. You buy, sell, or replace a vehicle

Update vehicle details promptly. If you're financing a car, ask how the loan or lease affects coverage decisions, and confirm when any change becomes effective.

3. Your commute or driving habits change

A move, remote-work arrangement, or different use of the vehicle can be a reason to review your policy details.

4. Your finances or assets change

Liability limits that seemed reasonable years ago may deserve a second look. Ask whether your limits reflect your current situation and whether an umbrella policy is relevant.

5. You haven't reviewed deductibles or add-ons recently

Discuss how collision and comprehensive deductibles affect out-of-pocket costs. Ask about available roadside or rental reimbursement options if they matter to you.

A good next step: Have your current policy, driver and vehicle details, and questions handy. Explore auto coverage or start a quote.

This article is general information. Coverage is determined by the policy and applicable state.

About this guide

From McKinnon Insurance Agency, serving Ohio from Dover and Navarre. Meet our team for help applying these questions to your situation.

Coverage reference: Farmers auto insurance guide. General product information does not replace your policy terms.

Updated September 29, 2026.