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How do I cancel my car insurance online?

Is it possible for me to cancel my car insurance online? I hate dealing with insurance agents, but my rates are getting ridiculously high and I think I need to cancel my policy. Can I cancel my insurance without talking to any agents?

avatar
Joshua Levy · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
That’s a really good question! I’m happy to say that canceling your policy online is a viable option, but you will have to be absolutely sure that you’ve properly canceled your policy, as any mistakes might leave you on the hook for monthly payments. Here’s what to do:
  • Contact your insurance provider with a date and reason for canceling your policy.
  • Ask your insurance company about fees and refunds. Some companies might offer refunds on unused premiums, while others may charge you a cancelation fee.
  • Email your written notice of cancelation to your insurance agent. You may be asked to use an official form, which you can usually find on your provider’s website.
  • Tell your bank that you’re switching policies. This is especially important if you have a car loan that you’re still paying off.
  • Cancel your automatic payments to make sure you don’t get surprised by any last-minute charges.
  • Have your new insurance all set up before you cancel. Lapses in coverage can make your insurance go up, and driving while uninsured can result in
    serious legal consequences
    .
  • Get confirmation from your provider. One benefit of in-person cancelations is that you get immediate confirmation. Online confirmation may take a bit longer, so keep an eye out for any emails from your provider.
If this process seems a bit overwhelming, try using the
Jerry
app. As a licensed broker, the Jerry app can help you gather and compare personalized quotes in minutes. We’ll even help you switch plans and cancel your old policy, so that all you need to do is choose a new plan that works for you.
Best of luck with canceling, and hope everything goes smoothly!
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