If you have a car that you drive, you need to have it insured. Having personal car insurance is one of the critical elements of owning a vehicle, and you should never drive a car that is uninsured. However, there are times where you’ll need to cancel the car insurance that you have. Perhaps you’re getting rid of your car, or you simply don’t plan on driving it for a while. Maybe you’re going on a long trip, and don’t want to be charged for the time that your car is simply sitting in the garage. Or maybe you’ve found a better deal, and you’re ready to drop your car insurance plan, so that you can switch to one better suited to your needs.
Whatever the reason, if you no longer need your car insurance coverage, you’ll need to cancel the plan immediately, so that you don’t get charged for a plan that you don’t need. Thankfully, canceling your insurance plan is a very easy task (especially if you let us help. In this article, we’ll explains how to find out the details of your existing policy, suggest how you can contact the insurance company to cancel your plan, and link our to articles that can help you cancel plans with specific carriers or for specific kinds of insurance.
How to Find Out the Details of Your Insurance Plan
Car insurance plans have different payment policies. Depending on your plan, your contract may be month-to-month, or it may be quarterly. If this is the case, when you cancel your insurance plan, you’ll simply be billed for the rest of the period, and that’s it.
However, you may have an insurance policy that requires you to sign a contract for a set amount of time, usually a year. If that’s the case, you may be on the hook for the entirety of that contract, or you may be charged a fee if you cancel your policy.
- Note: If you’re canceling your insurance plan because your car has been totaled, you will be able to do so with no extra fees or charges.
How to Contact Your Car Insurance Company
Step 1: Contact your insurance company. Once you know the details of your car insurance payment policy, it’s time to contact your insurance provider and cancel your plan.
You can do this over the phone, or by visiting an office. For some larger insurance companies, you can even contact them through an online chat feature on their website.
Talk with your insurance agent, let them know that you would like to cancel your insurance plan, and tell them why. Even if you are bound to a longer contract, you can sometimes talk the insurance companies down, if you let them know the reason for your cancellation.
The insurance agent will let you know the process for cancelling your plan; often they can do it for you, or you can do it through the company’s website. In some cases, you’ll have to file paperwork manually, and send your notice of cancellation to the auto insurance provider.
Step 2: Contact the DMV. After you’ve canceled your car insurance, you should contact the DMV to let them know that the vehicle is no longer insured. This helps them keep current records on you, and also keep you from getting erroneous charges for the vehicle.
Whatever the reason for your insurance cancellation, the process is easy, and relatively quick. You can get your insurance canceled swiftly, so that you don’t have to pay any extra money for protection packages that you don’t need.
How to Cancel Policies with Specific Carriers
While these steps are helpful for cancelling any kind of car insurance. But if you’re looking for details on how to cancel your policy, we have many helpful guides that can take you through the specifics step by step:
- How to Cancel Elephant Insurance
- How to Cancel State Auto Insurance
- How to Cancel Progressive Insurance
- How to Cancel Grundy Classic Car Insurance
- How to Cancel Direct Auto Insurance
- How to Cancel Empower Insurance
- How to Cancel Freedom National Insurance
- How to Cancel Velox Insurance
- How to Cancel Gap Insurance and Get a Refund
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