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Will Allstate notify my lender if I switch my insurance from full coverage to liability?

Is it possible to switch to liability-only insurance without my lender knowing? I thought I might be able to switch my police to liability insurance to save money.

avatar
Eric Schad · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Allstate is required to notify your lender about any changes to your
Allstate car insurance
 policy since the lender has insurable interest in the vehicle.
If you take away the full coverage required by your lender, you may face serious consequences.
  • When Allstate notifies your lender, they will immediately add force-placed insurance because you breached your contract. This insurance is often 3-5x more expensive than insurance you’d buy on your own.
  • The lender can also cancel your
    auto loan
     and
    repossess the vehicle
     because you violated your contract.
The bottom line: It’s not worth it to try to switch to liability-only coverage behind your lender’s back. If you’re having trouble affording your insurance, use a tool like
Jerry
 to compare
car insurance quotes
 and switch to a policy with a better rate.
Car LoansFull Coverage Insurance
View full answer 
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