Why would an insurance company drop you?

Would insurance really cancel our policy if we don't change the address after moving? My girlfriend and I moved recently and when we tried to change the address on our Progressive insurance policy, the rate increased. I think we should keep the address at our old place to save money, but she keeps saying the insurance company can drop us if they find out.

Answer provided by
Shannon Martin
Answered on Jul 08, 2021
Shannon is an expert in personal lines liability insurance with 13 + years of insurance industry experience. She also served as a special insurance liaison to AARP members for 6 of those years. She is a graduate of UL Lafayette and currently resides in NY with her family. Shannon is also an amateur juggler, ukulele player, and is a time travel paradox theory enthusiast.
“In this case, your girlfriend is correct.
There are a few reasons why an insurance carrier can cancel your insurance and price dodging is one of them. By actively not changing your address, you are misrepresenting where you live.
Once Progressive receives return mail or a report showing you live at a new location, the underwriting department will send a reminder to update your address on the policy.
If this reminder goes ignored, Progressive can change the address for you or cancel the policy for failure to respond to underwriting questions.
The most proactive solution would be to update your address and then ask Progressive for a policy review.
There could be discounts or other changes available to you that you aren’t aware of yet.
If you are still unhappy with your rate, you can always shop for more affordable car insurance. Not all carriers will rate your policy the same way, and you may get a better deal with a different carrier.”

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