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I'm selling my car and canceling insurance. When I buy another car a few months from now, will I get higher rates for a lapse in coverage?
You are right — having a lapse in coverage will cause your rates to be higher in the future. I recommend getting a non-owners policy, which it sounds like Progressive is already offering to you.
How do I cancel my insurance policy?
No, you will not be committing insurance fraud. You don't have to give a reason for canceling your policy at all.
Can I get my premium for car insurance when I never got the car?
Since the policy was active from August 31 through September 22, your son will be responsible to pay the premium on the policy. Every company has different rules and guidelines so there may be a fee for canceling the policy before the term is over.
Car insurance rate went up after leaving the country
One of the big rating factors companies look at is whether or not you are currently insured and have been for the past six months. When you canceled your policy to go out of the country, this caused a lapse in coverage.
Why won't my car insurance company give me a refund?
Every car insurance company is different and has different guidelines so I can't speak to what your companies policy on refunds are specifically. Typically if you cancel your policy within days of starting it, you would receive some form of a refund.
My coverage was cancelled and I got into an accident
Although you do live in a no-fault state, this only applies to any bodily injury claims that could have occurred - not physical damage to any vehicles. Unfortunately, because you didn't have liability insurance at the time of the accident, you are out of options.
If I cancel my insurance mid-month, will I get my money back?
Most companies, including Progressive, usually bill you ahead of time. Meaning, if you pay your bill on the 1st for the 1st-31st and cancel on the 10th, you would get the remaining days of the months of premium back.
Can our insurance company completely drop us and all of our vehicles?
An insurance policy is intended to cover vehicles kept at the address where the policy is written. Insuring vehicles under the same policy that are regularly kept at different addresses is considered insurance fraud and will likely result in the cancellation of the policy altogether.
If my Alabama registration tags expire, do I still have to carry insurance?
Alabama requires that registered vehicles must also be insured. If your registration tags expire and you want to renew them then you must have active auto insurance before the new tags will be issued.
If I cancel a policy less than 24 hours after starting it, will I get a refund?
The state of Florida requires that insurance companies refund at least 90% of the unearned premium paid by a customer if they receive a request to cancel. There are instances where a company may include the policies fees within the first month so your refund can vary depending on which company you're with.