Log in to your policy at any time to add or remove vehicles or drivers, change addresses, pay bills, and more. Keep in mind that some changes will affect the price you pay for insurance, so your premium may change. Depending on the company, you may be able to remove someone from your car insurance policy online or through an app. Some insurers may require you to contact a representative to remove a driver and provide proof that the driver no longer lives with you.
Since companies may vary as to the exact process, check with your insurer for more details. When it comes to refusing coverage or canceling your policy, insurance companies must comply with state laws. The company must notify you and cannot cancel for any reason after a certain number of days. While insurers in most states consider a credit-based insurance score when setting their rates, they cannot deny you coverage based solely on your bad credit.
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. Affordability is important to everyone when it comes to car insurance coverage, but your car insurance company should be judged by how it handles claims. Whether you want to change car insurance companies or have another reason to cancel, your insurance company can't stop you. Insurers can consider a variety of factors when evaluating your request, but they cannot deny coverage based on the fact that another insurer has denied coverage.
It may seem like auto insurance companies have all the power, but in reality they have to follow strict laws regarding the issuance and cancellation of policies. If you plan to cancel your current car insurance policy, make sure that your new insurance policy is already in effect. You'll receive a car insurance refund for any unused portion of your policy, subject to any cancellation fees that your insurer may charge. 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.
Leslie Kasperowicz is an insurance expert with four years of direct experience in agencies and more than a decade creating educational content to help insurance buyers make informed and safe decisions. 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. You can remove a listed driver from your insurance policy if they no longer live with you and no longer drive your vehicle. 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.
If you're interested in changing your car insurance company, you won't have to wait for your current policy to expire. 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.