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It is possible to change companies before your renewal.

If you have already paid your auto insurance premium for the year, don't let that prevent you from comparison-shopping your rate. Most insurance companies will prorate the portion of your coverage not used and issue a refund.

In some cases, you can save hundreds of dollars per year. If you are someone with a surcharge on policy, or you have been placed in a non-standard market for past incidents, you can likely save quite a bit of money by switching companies. Changing in the middle of your policy period will generally result in a refund of the unused portion of your insurance premium.

Make it a habit to review your auto insurance annually. Be sure your policy is accurate and consider comparing the rates of other car insurers. This will help to keep your insurance expenses to a minimum.