Definition: The word "switch auto insurance" refers to a type of policy where an individual or their car owner switches from one insurer's vehicle liability insurance plan to another, usually after paying a deductible on the new policy. This typically means that if you have any claims against your own vehicle while the policy is active, and they are paid out by either the insurer or the company offering the policy, then your old carrier will no longer be responsible for these amounts. Instead, the insurance company will pay back the amount of coverage you've been paying on that particular policy. This can help save money in the long run as it eliminates any potential liability issues with the car owner and reduces the costs associated with claims or insurance premiums. However, if you have certain types of claims or situations where your car is at risk, switching to a new insurer's vehicle liability plan may be necessary to protect yourself from liability. This term can also refer to a scenario where an individual or their car owner decides to change carriers based on the different coverage options they see available in the market.