Don't rush into a decision. Make sure you fully understand any policy you are considering.
You have a "free-look" period for 10 to 30 days after your purchase, during which you can change your mind. Use the time to carefully read over your policy.
When you replace one policy with another, you incur new costs and fees. That's why, generally speaking, it's in your best interest to keep a policy you already have and add on to your insurance protection instead of replacing an existing policy. If you do decide to cancel a policy, contact the original agent or company first to make sure you fully understand the financial ramifications.
If you have a concern or complaint, start with your insurance agent, who can often troubleshoot problems for you. If you're still dissatisfied, most state insurance departments have a consumer affairs division that handles complaints, or you can contact your insurance company's customer service division.
Review your coverage every few years, or when changes occur, such as purchasing a home or having children. An insurance professional can help you make sure your coverage is always aligned with your needs.
