But wait. Don't cancel your old policy until the new policy has been finalized. It's better to have a day or two of overlap, rather than going a day without being insured. In fact, many states require that you secure a new insurance carrier before leaving the old one. Furthermore, it is illegal to drive without auto insurance coverage, so if you are switching, make sure there is some overlap time.
– Richard Quadrino is the co-founder of QuadrinoSchwartz.com, an insurance litigation firm with offices in New York City and Garden City, N.Y.
