1. 16470 POINTS
    David Osgood
    Agent, Rural Mutual Insurance Co., Union Grove, WI
    You could call your agent or carrier and express your wish to cancel coverage over the phone, but they will more than likely require that the conversation be recorded so that they can keep it on file (if they have this capability) or they will require a form be signed and brought or mailed or faxed to them for your file. Without this your request may not be honored.
    Answered on June 20, 2013
  2. 2210 POINTS
    Brenda Hanson
    Vice President/Agent, Best Rates Insurance Inc, Kalispell Montana
    Depending on your carrier and your state laws. I have many carriers and most of them you can process over the phone. But I do have one carrier that requires a signed request form along with proof that coverage has been placed with another carrier.  If you are canceling because your car is not running there are many things you can do to get a refund and still have insurance that covers you if you are driving another car. Talk to an Agent or a carrier and they  can do what is best for you.
    Answered on June 20, 2013
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