When changing car insurance companies, it's usually your responsibility to cancel coverage with your old insurer. Your new insurance company can provide proof of insurance to your old company if needed, but it's generally not authorized to cancel a policy with another insurer on your behalf. After purchasing a new policy, you should immediately contact your old insurer and cancel your old policy. You'll receive a car insurance refund for any unused portion of your policy, subject to any cancellation fees that your insurer may charge.
Since almost every state requires drivers to have liability coverage, you must have a current auto policy with another insurer when you cancel with your current insurer. In addition, if you finance or lease your vehicle, your lender or leasing company will normally require comprehensive coverage and collision coverage. Make sure your new policy covers your vehicle for physical damage. You can avoid an interruption in coverage by ensuring that the cancellation date matches the start date of your new policy.
Switching car insurance is easy, but make sure that the coverages, limits, and deductibles in your new policy reflect what you have with your current insurer. You can pay for your car insurance policy by credit card, PayPal, online check, personal check, money order, or electronic funds transfer (EFT) from your checking account. If it's been a few months since you received your quote, the rates in your area may have been revised, which could decrease or increase the price you pay for your car insurance policy. In addition, if your policy includes car rental reimbursement and your car is damaged in a covered accident, Progressive will pay the rent (up to a specified limit and term) while your own car is repaired.
You can generally add someone else's car to your policy if you also share the same car insurance policy, which normally also requires living together. There's no need to cancel your car insurance after selling a car if you're driving a different vehicle. However, the vehicle must be regularly parked at your residence overnight for Progressive to insure it in your policy. During your progressive quote, you won't be able to select car insurance coverages that don't apply to you.
Keep in mind that if you're moving to another state, you won't have to change insurers unless your insurance company doesn't offer coverage in that state. This information is not an insurance policy, does not refer to any specific insurance policy, and does not modify any provision, limitation or exclusion that is expressly stated in any insurance policy. Depending on your insurance company, you may be able to cancel your policy by calling your insurer or agent. You can change insurers at any time, even if you just renewed your policy with another insurance company.
You can change your car insurance policies at any time, whether you bought your policy two days or two months ago.
