What’s the best way to cancel your car insurance?
Fortunately, you can skip all the nightmare scenarios above with a simple phone call to your insurance company. It’s usually painless. And while we recommend a phone call, you can also cancel by mail, fax or in-person visit. And some companies even allow you to cancel by email.
We suggest a phone call because you can ask about the company’s particular process, ensure you get any prorated refunds and verify that the policy is indeed canceled. However, no matter how you choose to cancel, make sure you receive an email or written documentation proving your cancellation date.
Here are further details on how to say “goodbye” in four easy steps.
- Call your car insurance company
You can find the phone number online or printed on your insurance card or policy. In addition, insurers with mobile apps, like Allstate, GEICO, Progressive, State Farm or USAA, have an option to dial the company within the app.
- Ask about their cancellation process.
When you speak to the customer service rep, bring up your refund and any potential cancellation fees. You’ll also want to determine if they require you to write a cancellation letter. If you switched to a new company, double-check that your cancellation date is the same day your coverage starts with your new insurer.
- Send your cancellation letter, if applicable
This step is becoming increasingly rare, but your insurance provider may require it. If that’s the case, you’ll learn what they need from your phone call with the company.
The most important parts are stating your policy number, intent to cancel, the effective date of the cancellation and your request for any refunds. Sign it and send it via email, snail mail or fax.
- Get confirmation of policy cancellation.
Your confirmation is proof that you’ve canceled the policy. Also, it serves as your record, so you get the appropriate refund.
And now that you know how to end the relationship, perhaps it’s time to move on. You can compare companies to find a price you’re “head over heels for.” In minutes, you can meet your perfect match at The Zebra. How’s that for speed dating?