1. 16470 POINTS
    David OsgoodPRO
    Agent, Rural Mutual Insurance Co., Union Grove, WI
    An auto insurance policy can be cancelled at any point in the policy. The carrier that you are currently with will refund any unused portion of the premium paid. Please read your policy completely to understand any consequenses of cancelling your policy with your current carrier or contact your local agent to have them assist you in the cancellation process.
    Answered on July 11, 2013
  2. 2210 POINTS
    Brenda HansonPRO
    Vice President/Agent, Best Rates Insurance Inc, Kalispell Montana
    Absolutely you can. That is your choice. But I recommend that prior to canceling your policy to have a quote lined up with another carrier. Going with a lapse of more then 30 days can make your rates much higher. If you canceling because your not happy with your agent but like the carrier you can also call the carrier and they will get you another agent and you can keep you policy. If you are canceling your policy because you no longer have a car and will be getting one in the near future many cases you can go to what is called a non owned policy that covers you if your are driving a car that you do not own for the liability only portion.

    Call a local agent and discuss your options this will keep your cost down later in the future
    Answered on July 11, 2013
  3. 37376 POINTS
    David G. Pipes, CLU®, RICP®PRO
    Business Development Officer, T.D. McNeil Insurance Services, Fresno, California
    Insurance policies can be cancelled.  Many companies charge you for the number of days that you were covered.  Some use another system that penalizes you a bit for cancelling before the end of the term.  All you need to do is notify the company or your agent.  All coverage ceases.  This should not be done unless you no longer have the vehicle, or you are immediately placing insurance coverage with another company.
    Answered on May 29, 2014
  4. 15645 POINTS
    Edward HarrisPRO
    Owner, Best Health And Car Insurance Rates - Instant Online Quotes, US
    You can switch or change your  car insurance at mid-policy. The refund will be based on the unused portion of the coverage. It is possible that a "short-rate" will occur.

    Of course, you should secure other coverage before you cancel an existing policy.

    LIVE answer provided by: Ed Harris - Premier car insurance broker since 1980 and owner of several of the nation's top-rated consumer websites.
    Answered on May 29, 2014
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