Jessica Sautter is a Content Writer for CarInsuranceCompanies.com with a Bachelor’s Degree from Eastern Michigan University in Elementary Education with a Major in Reading and a Minor in Mathematics.

Full Bio →

Written by

Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience.

Full Bio →

Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager

UPDATED: Nov 3, 2020

Advertiser Disclosure

It’s all about you. We want to help you make the right car insurance coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.

Our car insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different car insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Key takeaways...

  • Some insurance companies will tack on additional coverage without the policy holder’s knowledge
  • At least once per year, review your current auto insurance policy and look for a few items
  • Your deductible is the amount that you will be required to cover

Car insurance, in many states, is mandatory. Most states require that drivers carry car insurance. Technically, there are no laws to keep a policyholder from canceling an insurance policy.

However, some states monitor insurance cancellations and follow up with the driver to make sure that they have obtained insurance from another carrier.

In other states, when you cancel your car insurance, you must also cancel your auto registration. Some states require that you surrender your license plates, as well.

Many states maintain a database of drivers along with their car insurance companies and the policies they have.

Looking for new and affordable car insurance? Enter your zip code into our comparison tool above to receive multiple car insurance quotes to compare for FREE!

Table of Contents

Before Canceling Your Auto Insurance

If you are considering canceling your auto insurance, it is a good idea to obtain coverage with another insurance company before doing so. If you have a lapse in coverage, you may have difficulty getting coverage again.

There are no laws that prevent a driver from canceling their auto insurance policy.

However, if you have shopped around and found a policy that better suits your needs, then there will be no problem canceling your current system once the new one is active.

In fact, to make sure you are getting the best deal on auto insurance, you should periodically check competitors’ policies and rates just to see if you might be able to find a cheaper plan with another respected company.

Compare Car Insurance Companies

Compare quotes from the top car insurance companies and save

 Secured with SHA-256 Encryption

Compare quotes from the top car insurance companies and save

 Secured with SHA-256 Encryption

Regularly Review Your Policy

First of all, make sure that your policy contains the coverage, as well as the limits, that you agreed to when purchasing the system. Second, make sure that nothing has been added that you have not asked for or were not aware of.

Make sure that nothing is on your policy that you have not agreed to, and make sure that your policy limits are consistent with what you expect.

 One way to save money on your premiums is to raise your deductible on a full coverage policy.

Of course, you only want to raise your deductible if you are sure that you are a safe driver.

Increasing your deductible will save considerable money in premium payments over the course of a year.

Your deductible is the amount that you will be required to cover before the insurance company pays the remaining amount of the damages, or to replace the car.

Compare Auto Insurance Coverage and Rates

If you are considering replacing your car insurance company with another company that may offer you better rates on a similar policy, shop around and compares different insurance companies using an online comparison tool.

Compare similar policies between insurance companies that provide coverage in your state and neighborhood. Select the group with the best reputation for customer service, which also has excellent rates and good discounts.

When you decide to switch auto insurance companies, use a comparison tool to find the best business and policy for your needs.

Enter your zip code below for FREE car insurance quotes that you can compare!

References:

  1. https://www.nationwide.com/insurance-law.jsp
  2. https://www.thebalance.com/how-to-cancel-car-insurance-527450
  3. https://www.progressive.com/auto/insurance-deductibles/
  4. https://www.progressive.com/
  5. https://www.statefarm.com/insurance/auto/discounts