Progressive charges a cancellation fee of 10% of the premium or a fixed rate in some states, although customers in other states don't have to pay a fee to cancel their auto insurance coverage midway through the policy. Progressive customers will receive a refund for unused premiums, less cancellation fees. Insurers will generally reimburse you for the unused portion of your policy, assuming you paid in advance. However, depending on your state and the time of cancellation, your insurer may charge a cancellation fee.
Learn how to get a refund on car insurance. Auto policies can't be canceled online, but you can cancel your policy by phone, mail, or email. After you set up a new policy, you can cancel your old insurance policy. Don't discontinue your current policy without auto insurance.
The Coverhound website notes that not only will you get expensive fines if you are caught driving across state lines without car insurance, but you will also be responsible for all expenses should you have an accident. 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. We charge a higher rate for customers who are more likely to file claims and a cheaper auto insurance rate for customers who are least likely to file claims. Depending on your insurance company, you may be able to cancel your policy by calling your insurer or agent.
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. While there's no need to change car insurance when moving to another state, it often makes sense for drivers to make the change. There's no need to cancel your car insurance after selling a car if you're driving a different vehicle. 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.
If you lend your car to someone and that person causes an accident, Progressive may cover some of the damages they are responsible for. Every state requires auto insurance companies to declare how they calculate rates to customers, and insurers cannot deviate from these presented rates. 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 change insurers at any time, even if you just renewed your policy with another insurance company.
Following these steps will streamline the process of changing your car insurance policy when you move to a new state. However, the vehicle must be regularly parked at your residence overnight for Progressive to insure it in your policy. 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.