Ask an Agent
Have a question? We're here to help.
Ask an agent for free
Question

Can I get a refund if I was double insured?

I switched my insurance to go with AAA and got my own policy, but my husband was also with AAA, and his agent added me to his policy. He insured my car under his policy to get a multi-policy discount, but I was charged for my own policy (all for the same car!). Will I be able to cancel my other policy and get a refund since we paid double insurance on the same vehicle?

Jul 19, 2023 Joliet, IL

Answer
Author profile picture

Nathan Foster

Agency Trainer

Credentials
  • Licensed Insurance Agent - Property and Casualty

Nathan is an insurance professional with a focus on creating positive customer experiences with more than 10 years of industry experience.

Nathan tra…

Thanks for reaching out to The Zebra! I can see how this is confusing for you.

Now, it's normal for other drivers to be listed on a policy if they live in the same house as the insured and could possibly drive their car, but insurance laws prohibit someone from having duplicate car insurance coverage. This means you can't have yourself and your vehicle insured on multiple policies. Insurance companies are required to refund you if this happens.

If you're in this situation, the best thing for you to do would be to forward a copy of the insurance policy that you'd like to keep to the company you wish to cancel your policy with. I would also call that company to check their specifics for canceling a policy (or directly call the agent you worked with when you set up your policy). It might be a slight inconvenience to deal with but should get things handled so this doesn't happen again. They will likely request your proof of insurance (ID Cards or Declarations Page) to cancel your policy and get a refund for whatever dates you had duplicate coverage.

A multi-policy discount is a great option for the future, though, if you decide to combine policies at some point. This can potentially save both you and your husband money and make things a little simpler overall if you've got the same agent and company, such as AAA. There are a lot of discounts out there that many drivers aren't aware of, so be sure to research and ask an agent if you're eligible for any of these money-saving opportunities.

It's also a good idea to get new car insurance quotes every six months, or if any major life events have happened (marriage, important birthdays, a new address, etc). You can always call our agency at 1-888-255-4364 to get personalized quotes and compare them to your current coverage. I hope this helps!

Ask an Agent
Have a question? We're here to help.
Ask an agent for free

Insurance is complicated, but it doesn't have to be.

The Zebra searches all of the top insurance companies, in one place, so you can compare the cost and coverage you need to protect your car, home and other property.

Step 1: Tell us a little about yourself

Choose an insurance product and enter your zip code to get started.

Step 2: Sip your coffee while we find the best quotes

Enter the necessary information and then sit back while we find quotes from 100 top insurance carriers.

Icon Fill Form

Step 3: Compare your quotes

Compare quotes side-by-side to find the right match for you, whether it's home, auto, or more.

Icon Agent

Step 4: Let our agents do the hard work for you

Once you pick your policy, our agents are here to get you over the finish line. Then just relax and enjoy your savings.

Compare insurance rates today!

Location pin icon
No junk mail. No spam calls. Free quotes.

Related Questions

Other people are also asking...

If I have car insurance, can I test drive a car that has no insurance?

Yes, most car insurance companies in Alabama will cover you while driving another vehicle, even if you do end up getting in an accident during a test drive. To be sure, we recommend calling your specific insurance company to find out exactly what their coverage entails, but know that this type of s…
Jun 24, 2019 Madison, AL

Am I covered while I'm moving to a new state?

I'm so sorry to hear about your accident during such a transitional and inconvenient time! I would contact your insurance company in Oregon and talk to the claims department to see if this will be covered. Many companies provide a grace period for you to obtain other insurance while you are mo…
Jul 22, 2022 Atlanta, GA

Do I have to list my spouse on my policy if she isn't driving?

Your spouse must be listed on your insurance policy regardless of driving status. Since insurance is all about properly rating risk, companies will require that your spouse be listed on your policy to know who they are and are not covering. In most instances, if your spouse won't be driving th…
Feb 14, 2016 Lake Charles, LA

What should I do with my insurance if my car is repossessed?

Since you no longer have possession of the vehicle then technically you could cancel your policy. It's important to keep in mind, though, that if you have been continuously insured for 6 months or more you will lose a discount if your policy cancels. If you were not planning on getting another…
Jul 15, 2017 Nashville, GA