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Any time is a good time to search for cheaper insurance, you don't have to wait until your term is up
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Typically people pay upfront for certain periods of insurance coverage, but that doesn't mean you have to wait that long to consider switching to a lower cost plan. If you have prepaid say for the next 6 months, you should receive a check back for that amount if you cancel now (check with your insurer to be certain). So don't wait to find a cheaper policy.