Go Auto Insurance – Specific Offers for Specific Needs

Bundled insurance coverage for house, health, life, and car often gives cost-saving benefit, but some people simply choose to separate their policies because this can often provide better quality of services, for example with auto insurance. Being an insurance company that specifically offers auto insurance policies, Go Auto Insurance does not even sell coverage for motorcycle, boat, or any other type of vehicle. It specializes in providing coverage for all car drivers in Arkansas. Moreover, it is also different from most companies in this industry because it is a family-oriented company which does not publicly trade their shares. Based on those two characteristics, there are plenty of great benefits for customers, including but not limited to the following:

1. Personalized options

One of the biggest benefits of purchasing auto insurance only without bundling it with other policies is the possibility to personalize more options, for example the quotes and payment. Since Go Auto Insurance only sells coverage policies for cars, customers are able to adjust their options without any additional fees. In most cases, there are always less restricting rules about how you pay, or what types of coverage to purchase, and other limitations commonly found in bundled insurance.

2. Non-commissioned agents

You may find yourself in a situation where an insurance agent is determined to persuade you to purchase the insurance from a particular company. The main reason is that the agent may earn some commissions for every sale they make. Go Auto Insurance does have agents, but they are non-commissioned, meaning you only pay for what you get without additional fee for the services provided by the agents.

3. Focus and simplicity

As mentioned earlier, Go Auto Insurance only offers coverage policies for cars. This mindset allows the company to easily focus on a specific field so that everything is handled properly without involving any complexity of a bundled insurance. More than that, all processes from asking for quotes, making a purchase, to filing a claim are simple for customers. Bundled insurance, in one way or another, tends to lead customers to give less detailed attentions to every policy they have. Go Auto Insurance does not deal with any other type of policy, allowing you and the company to discuss and handle all matters more specifically which often leads to better results for both parties.

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Prevent Dangerous Driving with IVMS

As an employer, it’s not only important to ensure the safety of all employees on the road, but to prevent any unnecessary costs associated with dangerous or careless driving. This is why many are turning to In Vehicle Management Systems, also known as telematics or GPS tracking.

IVMS allows users, whether that’s an owner or fleet management, immediate insight into their fleet’s driving activities, therefore enabling real-time identification of dangerous, at risk driving behaviour. At risk driving behaviour can include anything from speeding, excessive engine revving, harsh braking, rapid acceleration, freewheeling or entry of dangerous or high risk geofenced areas.

This insight allows users to first and foremost address the risky driving behaviour. Once employees know their driving is being regularly monitored and at-risk behaviour is being addressed, employees will tend to drive more carefully.

In addition, IVMS offers users the ability to:

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Protecting your Land Rover and Your Passengers

Driving on the road is one of the most dangerous things you can do, yet it is something you do almost everyday. Even if you’re a great driver, you can’t help how other people drive around you. Keeping yourself safe and protecting your Land Rover Discovery from damage and theft can be a challenge. Use these tips to improve your chances.

Safety Features

SUVs have a reputation for rolling. This is a dangerous feature that requires not only safety features in the car but careful driving skills. While SUVs are considered one of the safest vehicles on the road, they do roll more than cars and can be more dangerous and damaging to other smaller vehicles on the road.

Make sure you buy an SUV with anti-lock brakes, which help you to steer your vehicle even under full braking power. The brakes are quickly pumped keeping the wheel from locking up. They also help you stop quicker on slippery pavement.

Anti-skid systems use sensors to detect when a vehicle loses grip on the road. If this happens, the anti-lock brakes kick in to help get the car back on track. Roll stability control is similar, using sensors to help detect if the vehicle could roll. It then activates the anti-skid system and works on flat pavement. The Land Rover has a roll stability control system.

Driving Tips

• Keep plenty of space between you and the car in front of you – Tailgating is a dangerous way to drive, especially when you’re driving a Land Rover SUV. If the car in front of you slams on the brakes, you might not be able to stop in time if you don’t have enough distance between the two cars.

• Slow down around corners – If you’re used to driving a sedan or smaller vehicle, you might not think about your speed while taking corners. With an SUV, turn corners at a reasonable speed.

• Drive carefully in snow and rain – This goes for any kind of vehicle, but especially SUVs. SUVs have four-wheel drive, but if you are driving too fast in the snow, you could have trouble stopping.

• If you lose control, don’t panic – Instead, move smoothly. Don’t overcorrect your movements if you are trying to avoid a deer or another vehicle.

Why Anti-Theft Features Benefit you in Multiple Ways

Physical safety is important, but so is protection from theft. Install or use as many of these anti-theft features as you can to protect your Land Rover.

• Lock your doors at all times – If you don’t lock your doors all the time, you better start. Even if your car is at home in your garage, it can still be stolen or broken into. Locking the doors adds another layer of protection. If you have deadbolt locks on your doors, this will also deter thieves and protect your vehicle.

• Don’t leave valuables in your car – If your car is stolen, chances are you won’t get any valuables from inside back. Even items that are only important to you, such as files or papers for work, shouldn’t be stored in your SUV.

• Tracking devices – If you can install a tracking device on your car you could find your car if it’s stolen. This can also help deter thieves from trying to steal your car from the start.

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5 Ways to Save on Car Insurance for Your Renault

According to the World Car Market, Renault is one of the top ten car brands in the world today. With such a quality investment, it’s important to get the right insurance. Even with the growing number of online comparison sites, it’s not always easy to find the right level of cover at an attractive price. Here are some tips that might help you save money on car insurance for your Renault:

1. Don’t hesitate to switch insurers:

There are plenty of people who stick with the same insurer for twenty years. Perhaps they’re happy with the service they’ve obtained in the past, or maybe they like the speed with which their insurer processes claims. That’s fine – if you’re 100% happy with your current insurer, by all means hang on to them. However, if your reason for staying with one company has more to do with apathetic inertia than customer satisfaction, you could be paying too much by not bothering to investigate the competition.

2. Add your most responsible female family member as a named driver on your policy:

The more good drivers that are designated ‘named drivers’ on your policy, the better the insurer likes it. If the added driver is a female with a long, clean driving history and no previous claims, that’s even better. From the insurer’s point of view, adding a responsible driver to your cover helps spread the risk. If the risk is reduced, there’s a chance the cost of your premium may be too. It doesn’t actually matter if this person hardly ever drives your Renault.

3. Practice the fine art of bargaining:

Always ask for a cheaper price on your premium. If you own a smaller car like a Renault Twingo, your insurance shouldn’t be costing you as much as what your neighbour pays for his Hummer. If it is, you need to do some serious negotiating (or find another insurer).

Once you’ve sorted out the fine details and your insurer has provided a price, it’s time for some haggling. The trick is not to ask for too much of a reduction (5-10% is reasonable), because you’ll probably get an outright refusal. Also, if you try the ever-popular “Insurer B will insure me for 20% less” assertion (which you’ve just made up), the person in front of you will suspect that either (a) you’re not a very nice person for lying to them, (b) you are a bit silly for not grabbing that other insurance, or (c) you must have been quoted a very basic, no-frills policy which you’ll be very sorry about later. Most car insurers have a pretty good handle on what everyone else in the business is charging, so don’t assume you know more on the subject than they do.

Even if you only get a premium reduction of 2%, that’s better than nothing. Polite haggling has become more socially acceptable, so don’t be afraid to try it with the car insurance for your Renault.

4. Be sure to provide the insurer with all your good news:

If you have never had to make a car insurance claim, this is something your insurer should know. If you recently completed an advanced driver safety course, this too may help reduce your premium.

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2014 Honda Civic

2014 Honda Civic

The 2014 Honda Civic is poised to be the most popular compact car of 2014. The 2012 and 2013 Civic models sold exceptionally well despite lacking some of the creature comforts and tech improvements of Honda’s competitors. It’s impressive that Honda’s name can consistently deliver a popular product even when it doesn’t match up to what other compact cars can offer.

The last two Civic models brought only disappointment to many people. Sure, they delivered on the impressive reliability and efficiency that Honda is known for. The 2012 and 2013 models are sure to be on the road for years. Unfortunately, they lacked the refinements other compact cars were getting at the same time.

Honda has finally updated the Civic for the second decade of the 21st century. Styling, interior design, and performance have all improved to levels that match or surpass the competition.

The 2014 Honda Civic is going to make many compact car buyers happy. It’s the car for you if you are looking for a strong reputation for reliability, safety, and efficient driving—a reputation that boosts resale values. You’ll also enjoy the variety of models in the lineup. From a more sport-oriented trim to an “economy” model, the Civic can provide it all. If utility is the name of the game, you need to look at a different type of car all together. The 2014 Honda Civic can’t match the utility of hatchback style vehicles. It’s still a compact car—not the best for cargo space or hauling multiple people.

So what exactly is new? The 2014 Civic is new on the outside. The front end is more angular, with a sport-sleek style that yells “performance,” even if the economy-minded engine can’t deliver. You also get a new touch screen display in the more expensive trim levels (EX and above). There is also a much-improved CVT (Continuously Variable) automatic transmission option, push-button start, and a smart blind-spot watching display.

Styling: Interior and Exterior

The Civic does offer some utility on the inside. Honda claims “ample room for 5 passengers,” however, it will really seat 4 comfortably. Cargo hauling capacity is bolstered by 60/40 split rear seats that help accommodate gear of different shapes and dimensions. You can trust that Honda has compact car interior design mastered—compact car design has been their big draw for years. The 2014 Honda Civic is no different.

Every trim level also includes a color multifunction display, rearview camera, and USB connectivity. Honda’s new dashboard technology and display is a big upgrade over older models. All important driver information is located just above the dash, a more user-ready feature that provides access to anything you would want to know at a quick glance, a helpful distraction eliminator.

If you decide on the EX trim, you’ll get a power moon roof, automatic climate control, 16-inch alloy rimmed wheels, Honda’s new blind spot monitor, keyless entry, and pushbutton start. The LX trim level includes standard heated leather front seats—an area where Honda is finally catching up and realizing that people want comfort in compact cars.

We already mentioned the sporty exterior look—it really stands out. Last year, Honda redesigned the exterior and the results were far from spectacular. The 2014 model has much improved front and rear styling. There is a new grille, larger front bezels for the lights, a lifted trunk lid, and more aggressive wheel design.

Performance Notes

The 2014 Honda Civic has more power, better fuel economy, and much improved body control. The DX, EX, and LX trim models all come with a 1.8L SOHC i-VTEX 4-cylinder engine that puts out 143 horsepower thanks to a new exhaust system. The impressive CVT transmission is far better than the old 5-speed automatic. CVT is a $1,300 option and the LX and EX models and standard on the Touring model. The DX model only has the 5-speed manual option.

Because the CVT increases the gearing ratios and lightens the car compared to the old transmission, fuel economy is pretty good. City numbers aren’t impeccable at 7.1 to 6.7 Litres/100km, but highway mileage is more than adequate at 5.0 Litres/100km.

The Civic Si, Honda’s sport-oriented Civic variant, comes with a more powerful 2.4L, DOHC i-VTEC engine that emits 205 horsepower. The included transmission is a 6 speed manual in the Si model.

Handling is excellent. The 2014 Civic has a new suspension design that responds faster and introduces more “feel” than previous models. It offers excellent response if you want it while minimizing the bumps you experience along the road.

Is the 2014 Civic Your Next Car?

If you’re in the market for a compact car and you want the proven reliability and resale value that Honda consistently provides, the 2014 Civic might be the best car for you. Honda definitely put some thought into designing a car that can do more than keep up with the competition. Interior design, comfort features, and technology is ahead of post competitor models. Performance is adequate and cargo space is excellent for a small vehicle.

Perhaps most importantly, the price is right. The DX model with 5-speed manual transmission starts at $15,690. It’s hard to beat that considering the standard tech features that are included. $18,495 will get you the LX trim level, at which point you can opt for the continuously variable transmission. You’ll also find heated seats. The EX starts to creep into mid-size sedan price territory at $20,560. Both the Touring and Civic Si are a touch over $25,000—the Si is the most expensive Civic you can get.

The 2014 Honda Civic is a proven, safe, and reliable performer that will likely top the compact car market once again. Year after year the Civic has been one of Canada’s best selling cars. The 2014 model really shows us why. After a disappointing 2012 and 2013 model year that left some wondering if Honda could stay at the top, the 2014 model demonstrates Honda’s ability to consistently revise their cars to match what drivers expect.

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What You Need to Know about Contacting Your Provider of Motorbike Insurance When Your Bike Is Stolen

While no one wants to believe that someone would steal their bike, the fact is that this unfortunate type of event occurs all of the time. Even if you take as many precautions as possible, you can still become the target of a thief who steals your bike, leaving you without a ride. The fact is that vehicles of this type are easy to steal, especially for an established thief.

Do You Have Coverage for Theft of Your Bike?

In the UK, coverage for theft of your bike is generally included in your insurance plan. You should be able to check your documents (online or in paper format) to determine whether or not you have this type of coverage. Alternatively, you can also contact your provider and find out if you do. Even if you have coverage for bike theft, it is still your responsibility to protect it from the likelihood of being stolen.

When Should You Contact Your Provider of Motorbike Insurance When Your Bike Is Stolen

It’s vital to contact your provider as soon as you realize that your bike has been stolen. Delaying the call can make your claim look less truthful. Your insurer might believe that you are responsible for the loss of your bike and that you were trying to come up with a plausible reason as to why it is missing.

Dealing with the Emotional Aspect of Having Your Bike Stolen

It’s important not to get caught up in the feelings that overwhelm you once you realize that your bike has been taken by a thief. Instead, you should concentrate on taking care of putting in the claim right away. This is important because processing claims often takes weeks if not months to complete.

If You Have Motorbike Insurance, Can You Apply for Replacement of Your Bike?

You need to check your policy first to determine whether or not you have this type of coverage. If you have purchased full liability, it is likely that you do have protection against theft. As a result, you should be able to receive full compensation for the loss of your bike. However, this actually depends on the terms of your policy, so you need to check with your insurer as to the exact details.

What Is the Claims Process for Reporting a Stolen Motorbike?

Reporting a claim should take place quickly. In fact, your insurer probably has a pre-determined timeframe during which you must report the claim in order to have it considered for review. Here is a look at what you need to do as well as tips to get you through the process as painlessly as possible.

• As soon as you realize that your bike has been stolen, you should make a police report. Make sure that you provide as many details as possible about the circumstances surrounding the theft as you can when providing the report. You’ll need to provide a copy of this to your insurer.
• As soon as you have filed the police report, it is time for you to file your claim with the provider of your motorbike insurance. Provide them with the file number on your police report as well as all of the details requested by them. You will also need your policy information, in particular the account number.
• Find out what your options are for a rental vehicle during the time that you need to wait for your claim to be processed. Typically, some type of allowance is available for this, but you must follow the specifications of your insurer in order to qualify. It is possible that you will have to rent a car rather than another bike.
• Touch base with your insurer once a week to see how your claim is going. It is possible that they will need additional information, such as the original papers of purchase for your bike.

What Kind of Compensation Can You Get for Your Stolen Motorcycle?

The terms of your motorbike insurance cover will determine the amount of compensation that you receive once your claim is successfully processed. You can either wait patiently to find out what this amount will be or you can ask your insurer for an estimate while the claim is being processed. It is also important that you provide all of the documentation that the insurer requests if you want to ensure that your claim is processed in a positive manner.

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Rebuilding Antique Vehicles on a Budget – Saving Money on Classic Car Insurance, Parts and Maintenance

Rebuilding an older vehicle can be very satisfying, but it can also get quite expensive. This problem has forced many car lovers to abandon their projects and their dreams. If you want to rebuild an antique vehicle on a tight budget, you can save a significant amount of money on everything from parts to classic car insurance. You simply need to do your research.

Choose an Affordable Antique Vehicle

The cost of restoring a car depends greatly on the make and model you decide to buy. For instance, rare cars have the highest value, but they’re also the most expensive to repair. This makes common classic cars a better option for car lovers on a budget. These aren’t the only options for those who love old-fashioned vehicles, however.

If you simply like the look of an older automobile, you can order a classic car kit from a modern manufacturer. They mimic the look and feel of the real thing, but are generally easier to assemble and are far more affordable than an original antique. Alternatively, you can use modern modifications and reproduction parts to turn a collection of parts into a unique vehicle of your own creation.

Save Money on Parts

Unless you’re fortunate enough to inherit an old car in premium condition, you’ll discover that buying original parts from a specialty parts dealer can get quite expensive. To save money, you can search boot sales, auctions and farmland for parts and supplies. Some mechanics will also trade car parts with other enthusiasts to get the items they need.

Larger parts such as engines, transmissions and starters are often the most expensive to replace. To avoid these high costs, you can have them repaired or rebuilt by an expert rather than looking for a different one. And if you do need to find a different one, parts suppliers will often buy the damaged parts from you in exchange for a discount or shop credit.

Modern reproduction parts are a great alternative for thrifty car enthusiasts. They will lower the value of your rebuilt car, but they are easier to find and cost a fraction of the price. Sometimes, they even last longer than the originals. And you can always switch them out for original parts if you change your mind or find a good deal.

Find Low-Cost Classic Car Insurance

Antique vehicles are quite different from their modern counterparts and your insurance should reflect that. Classic car insurance takes into account numerous details including the year, make and model of the vehicle. Your provider will also consider the condition of the car, the number of original parts, your age, driving history and how often you plan to drive it.

You can save even more money on classic car insurance if you shop around. A comparison website, for example, will allow you to get quotes from several providers at once and make it easy for you to find the cheapest classic car insurance. To save even more money, be sure to ask about special discounts if you’re over the age of 50 or have a safe driving record. You might also consider insuring multiple vehicles with the same provider to take advantage of discounted package rates.

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How to Get Cheap Car Insurance for your Vauxhall Corsa

The Vauxhall Corsa is one of the most popular cars on Britain’s roads, and it’s praised for many of its features. Comfortable, fun to drive and economical to run, a Corsa is a popular choice with all age groups. Young drivers are particularly keen on the Corsa, as it’s excellent value for money and falls into low insurance groups. New models offer attractive colours and trims, and the interior of the car is modern and stylish.

Car insurance for your Vauxhall Corsa is generally very affordable, but it’s still worth taking steps to make sure you’re getting the best value for money. If you have had any accidents or convictions, insurance costs can rocket. Younger drivers with little experience on the road can also find premiums are on the high side. There are steps you can take to reduce the cost of car insurance for your Vauxhall Corsa, and the following tips should help you to find the best deals.

1) Use an insurance comparison service.

Insurance comparison sites have changed the way most people shop for and buy home and motor insurance. In a matter of minutes, you can compare hundreds of policies and look for the cover you need. The big brands like AXA and LV offer their car insurance products through comparison sites, and it’s a quick and convenient way to buy cover from a company you can trust.

Always check the details of a quote before buying a policy from an insurance comparison site, as the cover and terms vary. One of the first things to check is the policy excess. Selecting a higher excess usually results in a premium discount, but remember that you will have to fund the excess amount if you need to make a claim. You should be able to save around fifty to two hundred pounds on the cost of car insurance for your Vauxhall Corsa with a comparison site.

2) Look for a telematics insurance policy.

Telematics cover, or ‘black box insurance,’ is becoming increasingly popular in the UK. A telematics device records data about the way a driver uses his vehicle. Insurance underwriters can make an accurate assessment of your driving ability using telematics data, and this often means a premium discount. Black box insurance is particularly good for young drivers, as traditionally they are assumed to be at higher risk of accidents and are charged very high premiums.

3) Buy the cover you really need.

Fully Comprehensive car insurance offers a broad range of protection, including damage to your vehicle from a collision. If you have an older Corsa, it may not be worth paying for Fully Comprehensive Cover. In some cases, the premium may be higher than the cost of the vehicle. Choosing Third Party, Fire and Theft cover only will dramatically reduce your premium in some cases. The competitive nature of car insurance means that companies are always looking for new ways to make their policies unique and attractive. Benefits including courtesy cars and legal expenses protection are built into some policies as standard. Choosing a basic policy without additional covers is another good way to reduce the cost of car insurance for your Vauxhall Corsa.

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Understanding Your Car Insurance: Glossary of Contract Terms

The best way to understand your car insurance policy is to become familiar with some of the terms used in your contract when signing up for a deal. It can be easy to get lost in insurance jargon and end up confused about some of the stipulations of your policy.

The car insurance glossary below lists several terms that you are likely to encounter when reading over your contract.

Cancellation Clause/Cooling off Period

The cancellation clause is an important part of your contract that gives both you and your insurer the right to cancel the policy within a short period of time after it has gone into effect. This period of time is typically around 14 days, so make sure to cancel within this time if you have any issues with the policy. If cancelled within this period, you will not need to provide any reason for why you wanted out of your policy.

Cash Surrender Value

This is the amount of money that you could get back if you cancel your insurance before the year has ended. Your contract will determine how much you can be reimbursed.

Compulsory Excess

A compulsory excess is the amount that you would have to pay if you ever make a claim. Your insurance will cover whatever is left to pay after the compulsory excess. People who are seen as a greater insurance risk will have to pay a higher compulsory excess.


Exclusion refers to some event that your insurer will not cover. You will not be able to make a claim if you receive any damages as a result of this stipulated event.

Geographical/Territorial Limits

These are the limits within which your car insurance will be considered valid. The typical geographical limit for your UK insurance will be within the UK. Take a look at your contract to see if you will be covered in any other countries.


An indemnity simply means that you have been compensated or have received reparation payments. It is when you have returned to the same state that you were in before a loss, after having your damages paid for and repaired.


This is simply a contract term that refers to the person who is being covered by the policy.

Legal Liability

Legal liability means that it is your responsibility to compensate someone after causing damages.


“Partner” is a term that may be used in your contract to refer to the person you are living with. They do not have to be married to you to be considered your partner.


This is another term for “insured.”


“Proposer” is another term for both “insured” and “policyholder.” It is the person taking out insurance.

Registered Keeper

The register keeper of a vehicle has the responsibility of making sure that the car is licensed and for paying any tickets. The registered keeper, however, does not have to be the owner of the car. They just need to be the person who uses it.

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Find Cheaper Car Insurance for Your Ford S-Max by Comparing Quotes

When it’s almost time to renew your car insurance for your Ford S-Max, you will receive a renewal notice from your insurance company. If you would like to stay with your current company on your current policy, then you simply need to let your insurer know.

But, there are a couple of reasons why you might not choose to renew, and look at switching to a different company instead. This may be because you feel that you may get better customer service somewhere else, because you feel that you could get cheaper premiums somewhere else, or, quite possibly, both.

The Ford S-Max is not one of the cheaper cars on the market. Its insurance group, depending on model and version, could be as low as insurance group 14 to as high as 27, considerably pricier than more affordable, group 1-5 cars.

There are various steps you can take in order to lower the cost of your premiums. You can take advantage of no-claims discounts, add security features, pass certain driving tests, or even let a black box monitor your driving. But one of the quickest and easiest ways to reduce your premiums will be to sign up for a new policy with a different insurer.

The best ways to get quotes and compare car insurance are:

1) Go online

You can pull up several quotes online by going to one of the many price comparison sites and inputting some basic information about you and your car. Try not to rely on just one site, as they may have information from different insurers, or have slightly different ways of calculating your expected premiums. Here are a couple of good websites to check out:

• parkerscompare.parkers.co.uk
• switch.com/car-insurance

Make sure that the details you provide are as accurate as possible; otherwise you may end up receiving incorrect quotes. Be diligent in making sure that the site is not making assumptions about you, and select any add-ons that you may be interested in, or your quote will come out much cheaper than what you really need.

2) Use a broker

If you find the process confused or are worried that you’re not finding the absolute cheapest deals available, then you can choose to use a broker. Brokers are great because they won’t try to sell you anything that isn’t the best deal for you. They can point out important differences between prospective policies and help you with your decision.

3) Call the insurance companies directly

Calling several insurance companies to get a quote is likely to be your slowest strategy, and will give you a smaller view of the market as a whole. The one bonus of this strategy is that, by calling insurance companies directly, you may be able to receive cheaper rates than online. It could compel the insurer, who wants you as a customer, to offer attractive deals in order to get you signed up right away.

4) Combine these methods

You don’t have to limit yourself to just one of these three ways of getting car insurance quotes. If you really need to lower your premiums, then be proactive and try to use them all. Carry out an online comparison and get a broker to double check your findings and offer you their own suggestions. Have them take a closer look at deals that you were seriously considering.

You can also find a handful of deals first and then call up each insurer to see if they will actually offer you the online quote based on the details you give them over the telephone, and if you can’t perhaps get it for even cheaper.

What if you want to cancel your policy before the renewal date?

What happens if your renewal date hasn’t come along and you are already having a hard time paying your premiums? Should you switch to a better deal even if it would incur a cancellation fee?

Chances are that your cancellation fee would negate the savings you might make from switching to a new policy, but it is never a bad idea to take out a calculator and double check. If you already have a policy picked out, then you can calculate how much you could save by switching today. If it is less than the cancellation fee, then you will save money and should switch. But, if it is more, then you should wait until your renewal notice comes around.

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