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.
Independent agents don't work for one insurance company; instead, they sell insurance from multiple companies. That means you'll always have an expert on your side who can find the best policy and the best savings for you. And as your needs change, your agent will be there to ensure that you have the right protection. If you ever receive an email from Progressive that you're not sure about, forward it to Progressive Phishing immediately.
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. If you decide to change your car insurance company, make sure there is no interruption in your coverage and remember to cancel your old policy. 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.
If you're interested in changing your car insurance company, you won't have to wait for your current policy to expire. You can change insurers at any time, even if you just renewed your policy with another insurance company. There's no need to cancel your car insurance after selling a car if you're driving a different vehicle. While your rate might be lower when a new car insurance company quotes, its protection and claim compliance may not match the standards of your current insurer.
If you plan to cancel your current car insurance policy, make sure that your new insurance policy is already in effect. For example, married couples who live together and share car insurance can add both of their cars to their policy, even if the vehicles aren't jointly owned by the couple. 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.