Alyssa Lane
USAA auto insurance offers coverage at competitive rates and provides various discounts and perks. However, if you plan to cancel your USAA insurance, it is essential to follow specific steps to avoid penalties and ensure a smooth transition to a new policy. Firstly, it is recommended to cancel your existing USAA auto insurance policy before the renewal date to avoid unnecessary charges. You may be eligible for a refund if you have paid your policy yearly and cancel before this date. Secondly, check if you are eligible for any refunds. USAA charges only for the services used and often refunds policyholders who pay in advance. Thirdly, confirm the benefits of your new policy and choose a policy that offers similar or better coverage. It is advisable to start your new auto insurance policy on the same day your USAA policy ends to avoid a gap in coverage. Finally, cancel your USAA auto insurance policy by contacting their customer service representatives by phone, mail, or in person. Provide the necessary details, including your name, address, policy number, and the desired end date of your policy.
| Characteristics | Values |
|---|---|
| Ways to cancel USAA auto insurance | Online, by mail, by phone, or in person |
| Phone number to cancel over the phone | 1-800-531-8722 |
| Address to send cancellation request by mail | USAA, 9800 Fredricksburg Rd, San Antonio, TX 78288 |
| Information required to cancel | Name, address, date of birth, policy information, date of cancellation, reason for cancellation, documentation of replacement coverage, or documentation that the car has been sold |
| Refund | Pro-rated refund if cancelled before the renewal date and premiums have been paid for the full policy term |
| Cancellation fee | None |
What You'll Learn
Cancelling by phone
To cancel your USAA auto insurance claim by phone, you can call the customer service number: 1-800-531-8722. You will need to provide some basic information, including your name, address, date of birth, policy number, and the date you want your policy to end. It is also recommended that you have your driver's license number ready, and you may be asked to provide details of your new car insurance policy.
USAA does not allow cancellation of policies online, so calling customer service is the best way to initiate the cancellation process. It is also a good idea to call and cancel your policy directly, rather than relying on a new insurance company to cancel it for you.
Before you cancel, it is important to have a new insurance policy in place to avoid a lapse in coverage, which could result in fines and legal issues. It is recommended that you have a small overlap between your old and new policies, and that you confirm your new policy's benefits and compare rates before cancelling your USAA insurance.
USAA does not impose a cancellation fee or penalty for early termination, and if you have paid your premium for the full policy period, you will be refunded the unused portion.
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Cancelling by mail
Cancelling your USAA auto insurance policy by mail is a straightforward process. Here is a step-by-step guide to help you through the process:
Step 1: Gather the Necessary Information
First, ensure you have all the required details on hand before drafting your cancellation letter. This includes personal information such as your name, address, date of birth, policy information, and the desired date for your policy to end. Having your USAA policy number handy is also essential.
Step 2: Draft and Send the Cancellation Letter
Compose a letter that includes all the relevant information mentioned above. Be sure to include your name, address, date of birth, policy number, and the date you want your policy to terminate. Sign and date the letter, then mail it to the following address:
> USAA
> 9800 Fredricksburg Rd
> San Antonio, TX 78288
Step 3: Confirm Cancellation
After sending your cancellation request by mail, it's important to verify that your policy has been successfully cancelled. You should receive confirmation of the cancellation by mail or email. If you don't receive any confirmation, be sure to contact USAA directly to ensure your request has been processed.
Step 4: Handle Any Refunds
If you've already paid your premium for the entire policy period, USAA will refund the unused portion. Keep in mind that USAA charges only for the services you use, so you may be eligible for a refund if you cancel before the next renewal date. Clarify any refund details with your insurance agent.
Additionally, if you've sold your vehicle, you may be asked to provide a bill of sale as part of the cancellation process.
Remember, it's important to have a new auto insurance policy in place before cancelling your existing USAA coverage to avoid a lapse in coverage, which could result in fines and legal issues.
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Cancelling in person
If you would like to cancel your USAA auto insurance in person, you can visit your nearest USAA insurance office and speak with an agent. Before you go, make sure you have the following information to hand: your name, address, Social Security number, policy number, and driver's license number. You may also be asked to provide your new policy information if you are switching insurers.
It's important to know the date your policy expires, and to cancel before the renewal date. If you've paid for your policy in advance, you may be eligible for a refund. USAA gives refunds to policyholders who pay 6 to 12 months in advance, but not to those who make monthly payments.
Before you cancel your USAA insurance, it's worth comparing auto insurance rates and finding a new provider. You should also confirm your new policy's benefits and check that it offers more or similar benefits to your USAA insurance. It's a good idea to start your new auto insurance policy on the same day that your USAA policy ends, so there's no gap between the two.
If you've sold your vehicle, you may be asked to provide a bill of sale. If you've already paid your premium for the policy period in full, USAA will refund the unused portion. USAA does not impose a cancellation fee or penalty for early termination.
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Cancelling online
Cancelling your USAA auto insurance policy online is a straightforward process. Here is a step-by-step guide to help you through the process:
Step 1: Sign Up for a New Policy Before Cancelling
Before you cancel your USAA auto insurance policy, it is important to ensure that you have a new policy in place to avoid a lapse in coverage. This is because driving without auto insurance is illegal and can result in higher insurance rates in the future. Make sure that your new insurance policy starts on the same day or the day before your cancellation date with USAA. If you are no longer driving and have sold your car, you can cancel your auto insurance without signing up for a new policy. However, if you still own a car, you need to carry your state's minimum auto insurance requirements.
Step 2: Gather Necessary Information
To cancel your USAA auto insurance policy online, you will need to have certain information ready. This includes your USAA auto insurance policy number, which you can find by checking your account online or on any bills you have received from USAA. Additionally, you will need basic information such as your name and the reason for cancellation.
Step 3: Cancel Your Auto Insurance with USAA Online
To cancel your USAA auto insurance policy online, log in to your USAA account and navigate to your policy details. Select the option to cancel the policy. Once your cancellation is approved, your policy status will be updated online. You can also use the USAA mobile app to cancel your policy. Go to the cancellation page on the app and proceed with the cancellation.
Step 4: Confirm USAA Auto Insurance Cancellation
After cancelling your USAA auto insurance policy online, it is important to confirm that the cancellation was successful. You should receive a confirmation email from USAA stating that your auto insurance policy with the company has ended. Check your email and online account to ensure that you have received the proof of cancellation. If you had set up automatic payments, double-check your bank account and credit card statements to ensure that payments to USAA have stopped.
Step 5: Follow Up on Your Refund
If you had paid your premiums in advance and cancel before the term is up, you may be eligible for a refund from USAA. Contact USAA directly or check your policy documents to see if you are due a refund and how it will be sent to you.
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Cancelling via the USAA app
Cancelling your USAA auto insurance policy via the USAA app is a straightforward process. Here is a step-by-step guide:
Gather the Necessary Information:
Before initiating the cancellation, ensure you have the following details readily available:
- Your name, address, phone number, and date of birth.
- Your driver's license number.
- Your USAA policy number.
- The specific date you want your policy to end.
Log in to Your USAA Account:
Open the USAA mobile app on your device and log in to your account.
Navigate to the Cancellation Page:
Once you are logged in, find and access the cancellation page within the app. This is where you will be able to request the cancellation of your auto insurance policy.
Provide the Required Information:
Fill in the necessary details, including your personal information, policy number, and desired end date for your policy. USAA may also ask for your reason for cancellation and may try to offer you alternative solutions.
Confirm Your Cancellation:
After submitting your cancellation request, keep an eye out for a confirmation email or in-app notification from USAA. This confirmation ensures that your auto insurance policy with the company has officially ended.
It is important to note that USAA may ask for basic information about your new car insurance policy to verify that you will not be driving without insurance. Additionally, if you have made any advance payments for your USAA policy, be sure to inquire about potential refunds.
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Frequently asked questions
No, USAA does not allow members to cancel their auto insurance policies online or through their mobile app. You will need to call customer service or cancel by mail.
You will need your name, address, date of birth, policy number, driver's license number, and the date you would like your policy to end. You may also need to provide your new policy information if you are switching insurers.
No, USAA does not charge a cancellation fee for customers who cancel their auto insurance policies mid-term. However, if you forget to cancel and USAA automatically charges you, you may need to contact them to request a refund.
To cancel your USAA auto insurance, you can call customer service at 1-800-531-8722, send a written request by mail, or speak to an agent in person.
The best time to cancel your USAA auto insurance is before the renewal date to avoid a lapse in coverage, which could result in fines and legal issues. You may also be eligible for a refund if you cancel before the renewal date and have paid for your policy in advance.
