Ask an Agent

Have a question? We're here to help.

Ask an agent for free

Question

My insurance company has been insuring the wrong car for 3 years

My insurance company has been insuring the wrong car, I have been paying insurance for my old car which I haven't owned now for 3 yrs. Am I entitled to my money back, as my policy should be for my new car, which they were informed of. I have letters stating they have changed this but 3 years later and it's still my old car policy but more expensive. What are my rights?

Aug 13, 2024 Arlington, VA

Answer

By Ava Lynch

Updated August 13, 2024

If you have proof that the car was supposed to be changed three years ago, you should be able to get some kind of compensation. Ultimately, it is up to the insurance company on how they handle billing and policy disputes. You will need to contact your insurance company directly for your policy specific information. If you do not agree with what they say you can always seek legal advice. Good luck and if you have any questions, don't hesitate to ask.

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.

Step 3: Compare your quotes

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

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!

How do I cancel my Progressive insurance?

Canceling a car insurance policy is fairly simple with Progressive, but there are some things to keep in mind, one of which is avoiding a coverage gap. If you’re switching providers, make sure your new policy is active before canceling Progressive to avoid a lapse in coverage. If you’re unsure abou…

Oct 2, 2025 Dallas, TX

How many cars can I list on my State Farm policy?

Most insurers cap policies at four vehicles, requiring a second policy for moreMost insurers, including State Farm, cap a single policy at 4 drivers and 4 vehicles. But if your household includes more—like a few teen drivers and multiple cars—don’t worry. It’s common, and there’s a simple solution.…

Feb 27, 2026 Virginia Beach, VA

Root isn’t quoting in my state anymore. Why?

You’re not the only one confused by this. Root has pulled back in some states before, and when they stop quoting, it usually means they’re pausing new business while they adjust pricing or strategy. It has nothing to do with you, it’s just a business move on their end.As for renters insurance, comp…

Mar 26, 2026 Virginia Beach, VA

How many cars are allowed on a State Farm policy?

To get the most accurate answer, you'll need to contact State Farm directly, but generally, most insurance companies will allow up to four cars on a policy. However, keep in mind that some companies have rules about how many cars you can list per number of drivers. For instance, if you only have on…

Mar 26, 2026 Barbourville, KY

Browse All Questions Ask a Question