Can You Cancel Car Insurance Halfway Through?

  1. 12689 POINTS
    Ted Ratliff
    Owner, SFS Associates,
    You can cancel car insurance at any time.  Do not do so until you have another policy in place.  Many states require auto insurance with minimum liability requirements.  Driving without insurance can cost you your privilege to drive.  Many states are starting to spot check you by requiring you send proof of insurance for a specified date, so do not throw away your old proof of insurance right awa.
    Answered on May 23, 2013
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  2. 2210 POINTS
    Brenda Hanson
    Vice President/Agent, Best Rates Insurance Inc, Kalispell Montana
    You can cancel at anytime. it is not the best idea to go with out insurance. If you are canceling because the car is not running or you no longer own the car and are looking for a replacement that is different. If your car is no longer working you can place just comprehensive coverage on it and no liability while it is disabled that way it has some protection on your car. But on the flip side. If you no longer own a car you can keep the insurance till you get a replacement car and be covered if you are borrowing someone's car and they didn't pay their insurance. Also there is the option of non owned policy. Also when you start your insurance up again if you have gone more then 30 days with no coverage your rates increase for lack of proof of prior. Talk to your agent and see what works best for you. If you are canceling because of your  budget talk to your agent and see what they can do to keep you covered and at a better rate.
    Answered on May 23, 2013
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