Definitely give an agent a call, every one I've ever dealt with been extremely nice and accommodating and will walk you through everything! (Progressive is who I dealt with when I was in your situation. It's not rare at all, they'll tell you exactly what you need to do). They all want your business, so it's in their best interest to be nice and help you out! You don't even need to know a specific agent, just call the general number and you'll get connected with someone who can help. If you end up liking them, get their extension and call them exclusively. Good luck! :)