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

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

Nathan tra…

Credentials
  • Licensed Insurance Agent - Property and Casualty

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...

Can my fiancé and I share an insurance policy?

Thank you for reaching out to us here at The Zebra. You can call our agency at 888-444-8949 to speak to one of our Licensed Insurance Advisors. They can shop you around with carriers we partner with in your state, in order to find you the best policy that meets your needs. If you are interested, yo…
Jul 22, 2022 Birmingham, AL

Why did my rates go up when I have a clean driving record?

Thanks for reaching out with your question! Unfortunately, you're not the only one who feels like your car insurance is more expensive than in the past. When your auto insurance premium rises, it doesn't always mean you've done something wrong, though. Let's talk about some pote…
Feb 8, 2024 Hot Springs, AR

If I backed into my husband's motorcycle, will we have to pay two deductibles?

If you have collision coverage on both policies then it is likely that the damage will be covered. However, since you two are married your liability will not cover the damage to your husband's motorcycle since you are not unrelated third parties. This basically means that you will probably hav…
May 7, 2017 Clarksville, TN

Does a non-running vehicle need to be insured?

Thanks for reaching out to The Zebra about this.There are a couple of things to think about in your specific situation, and your solution will depend on how you want to handle this. Here are three scenarios to consider:If your car is registered you will need to have insurance on it, even if you are…
Aug 1, 2018 Miami, FL