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.
Renewing your car insurance is often a simple process. Your insurer will contact you by mail or email with the updated rate. If you accept the updated rate, simply make a down payment or pay your renewal quote in full. 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.
You can change your car insurance policies at any time, whether you bought your policy two days or two months ago. Every state requires auto insurance companies to declare how they calculate rates to customers, and insurers cannot deviate from these presented rates. 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. 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.
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.