How can you get car insurance if your policy has been cancelled?

Is it possible to get car insurance again if yours was cancelled before? My policy was cancelled recently. I’m not sure where to go from here.

Answer
Don’t worry, you can still get car insurance if your policy has been cancelled.
If your former insurer dropped you, try these steps to insure your vehicle again:
  • Ask if you can reinstate your plan: Contact your insurance company to ask if it’s possible to reinstate your policy.
  • Write a letter to the Department of Insurance: In certain states, like Illinois, you can write a letter to ask for assistance from the Department of Insurance, which conducts hearings for insurance-related appeals.
  • Look for a new insurance company: If your provider declines to reinstate your policy, look for other insurers. Optimally, shop around to get at least three quotes.
If you have received a cancellation letter from your provider, take a moment to understand the reason why your policy was cancelled and how long you have to get a new policy.
Considering insurance companies are required to contact you in advance of the cancellation, use that time wisely to get a replacement policy to avoid a lapse in coverage. A lapse is considered a high-risk behavior and may cause your future insurance premium to increase.
If you’re looking for a new insurance company, Jerry can provide you with competitive quotes in under a minute. Jerry even takes care of all the paperwork and phone calls! The average Jerry user saves $879 a year on car insurance.
Phoebe Mah
Answered on Nov 12, 2021
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