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.

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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.

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Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager

UPDATED: Sep 19, 2020

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Key takeaways...

  • There are a variety of reasons to cancel car insurance
  • You can cancel car insurance typically through two routes — via postal service or the internet
  • Don’t let a cancellation application’s routine questions overwhelm you; remember you are in control
  • Worst case scenario, consult your provider in person if you have any questions about the cancellation process

When it comes to car insurance, many people have questions. What kind of coverage do I need? How do I file a claim?

Perhaps, however, one of the most important questions drivers have when it comes to car insurance policies is how to cancel one.

The need to cancel a car insurance policy may arise for a variety of different reasons, including:

  • The loss of a driver’s license
  • The loss of a vehicle
  • A better deal coming along from another company on a car insurance policy

Regardless of the reason, it’s important to understand the process of canceling a car insurance policy.

If you’re looking for better and more affordable auto insurance, enter your ZIP code above and compare at least three to four policies today!

Table of Contents

Should be easy, right?

Most major brands of car insurance providers will give simple, straightforward advice when it comes to canceling a policy.

In the past, canceling a policy was much more difficult, as car insurance companies required an individual to sign a contract for service.

These contracts generally consisted of terms which lasted six months, eight months, twelve months or longer, and the terms of such contracts were often very restrictive when it came to the rights of drivers.

Regarding these policies, canceling before the end of a contract often resulted in hundreds or thousands of dollars in fees and penalties.

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Questions to Ask

Thankfully, today, most major car insurance brands allow drivers to cancel or upgrade policies with no interruption in coverage, no fees, and no penalties.

However, even if you’re a driver who is seeking to cancel a policy, you may still be uncertain as to how to go about doing so. Questions that may be running through your mind:

  • What forms do you need to fill out?
  • Do you even need to fill out any forms?
  • Who should you speak with?
  • Will there be any backlash from canceling your coverage policy?

Email vs. Postal Service

While there is no way to give an exact answer, the vast majority of car insurance companies today will allow customers to fill out forms to cancel their car insurance policies.

These forms are often sent via postal service, but as the Internet has increased in popularity, many car insurance companies today send cancellation papers via email.

Once a customer receives these documents, they must fill them out and send them back in, often via the method they were sent.

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For example, a customer wishing to cancel their car insurance policy may contact their insurance company regarding their wishes. From there, the car insurance company may mail out cancellation documents for the customer to sign, or it may email them.

Once received, the customer must sign the documents, physically or electronically, and then mail them back and receive confirmation for the documents and request to be valid.

Understand the Forms

Regardless of what method a company chooses to offer and what method a customer chooses to accept, it’s essential to fill out any documents which are needed to cancel a policy.

These documents vary, but many will ask for:

The important thing for the customer to remember is that they are in control.

While it may be needed to submit personal and account information related to a specific account, it is never necessary to provide information regarding the reason for canceling an account.

Customers who wish to choose a different car insurance company are protected under a variety of laws when it comes to answering such questions, and customers who receive such questions are under no obligation to answer them.

Follow these tips to cancel your car insurance.

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Contact Your Car Insurance Provider

With all of that being said, you need to check with your car insurance provider to find out what documents must be filed to cancel your policy.

As mentioned, while most car insurance providers deal primarily with the Internet to send and receive documents, some smaller operations still insist upon sending and receiving paper documents to remain in compliance with the law.

So with these companies, you may need to either mail, fax, or deliver documents in person to an office.

Check Other Officials

Additionally, when it comes to canceling your car insurance policy, your actions may be governed by specific local or state laws.

While most areas allow you to cancel a car insurance policy on-demand via email or internet, some areas still require their residents to file official notices in order to complete such actions.

If you’re still unsure after speaking with your insurance company’s representative, you may want to consider contacting your local or state administration office to find out more information on what paperwork you need to file to cancel your car insurance.

In the market for new auto insurance? Enter your ZIP code below and start comparison shopping today for better and more affordable policies!

References:

  1. https://www.allstate.com/tools-and-resources/car-insurance/know-when-to-cancel-insurance.aspx
  2. https://www.freedominsuranceinc.com/why-do-insurance-companies-ask-so-many-questions/
  3. https://thelawdictionary.org/article/how-far-back-in-your-driving-record-do-insurance-companies-look-to-determine-your-car-insurance-rate/
  4. https://www.usatoday.com/story/money/personalfinance/2017/04/19/6-reasons-leave-your-car-insurance-company/100567658/
  5. https://www.thebalance.com/how-to-cancel-car-insurance-527450