How to Cancel Your Auto Insurance

September 2nd, 2011
Cancelation Stamp

As life comes at you with unexpected circumstances, there may be a time where you will need to cancel your car insurance policy before it runs out.  Whether you can no longer afford your insurance, you have decided to take public transportation or you found a better rate with another company, there is a process to canceling your auto insurance.

  1. The first thing you should do is continue to pay for your insurance. Until you have fully canceled your policy with your insurance company, it is within your best interest to continue to pay for your insurance. If you stop paying for your insurance before your plan is canceled and something happens to your vehicle or yourself then the insurance provider may not be required to cover the damages.
  2. Contact your insurance carrier and inform them of your plans for canceling your plan. At this point they can walk you through their company policies for canceling the insurance. Typically, the insurance provider will send you a cancelation-request form. You will need to fill this out and return it.
  3. If you have paid for your insurance upfront you are going to need to request a refund for the time you are not covered by the carrier. Depending on the contract or policy you chose when you signed up for insurance, the insurance provider may not be required to honor a refund in your benefit. If you have been working with a particular insurance agent, call and speak to them about such refund.
  4. Last, make sure you have lined up another insurance provider if you are going to continue driving a vehicle. You do not want to cancel one insurance policy and have a gap in between the new policy. If something happens to you or your vehicle in the in between policy time, you may find yourself with a large bill.

If you are looking to cancel your insurance policy in hopes to saving money on your annual auto insurance, do your research. There are many free online resources that allow you to search and compare auto insurance rate quotes such as is a diverse online resource available for searching for insurance rates, a new vehicle or automotive related information. With its secure and easy to use form, you can quickly compare top-rated insurance carriers and local dealerships prices in minutes. To see how much you could be saving visit

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