Canceling Auto Insurance With Progressive: A Step-By-Step Guide

Progressive auto insurance can be cancelled over the phone, by mail, or via email. However, it cannot be cancelled online. Before cancelling your Progressive policy, it is important to line up a replacement policy first to avoid a lapse in coverage, which can cause issues with the MVD and potential claim issues. Progressive may issue a refund if your policy is cancelled and you've paid your premium in advance. Depending on your state, Progressive may charge a cancellation fee.

Cancelling Progressive auto insurance online

Progressive does not allow customers to cancel their auto insurance policies online. However, there are several other ways to cancel your Progressive auto insurance.

Cancelling Progressive Auto Insurance by Phone

Call 888-416-2003 to reach Progressive's customer service department. Once you have a representative on the line, inform them that you want to cancel your policy and provide your policy number so they can locate your account. Depending on your location, you may be able to complete the cancellation over the phone. However, you may still need to sign and return a cancellation document.

Cancelling Progressive Auto Insurance by Mail

Some states in the US require a signed document to cancel car insurance. You can find pre-made forms online, or you can create a letter that includes the following information:

• Your name, address, and phone number
• Your Progressive policy number, and the date and time (e.g., 12:01 am) you want the policy to end
• The name of your new insurer, their policy number, and the start date/time of your new policy
• Your dated signature

Mail the form or letter to:

> The Progressive Corporation, 6300 Wilson Mills Rd., Mayfield Village, Ohio 44143.

It is recommended to send the cancellation request at least one week, or even two to three weeks, before your intended cancellation date.

Cancelling Progressive Auto Insurance via Email

Progressive does not advertise email cancellation, but you can send your cancellation request to [email protected]. Include the following information in your email:

• Your policy number
• Your desired cancellation date
• A clear statement that you wish to cancel

Important Considerations

Before cancelling your Progressive auto insurance, it is important to remember the following:

• Ensure you have a new insurance policy in place before cancelling your Progressive policy to avoid a lapse in coverage, which can cause issues with the MVD and potential claim problems.
• Check your Progressive policy for any cancellation fees. These fees vary by state and the timing of your cancellation. Progressive may charge a $50 cancellation fee if you cancel within your first term.
• If you have prepaid your Progressive policy, you will likely receive a refund for the unused term after cancellation, minus any cancellation fees.

Cancelling Progressive auto insurance by phone

Progressive auto insurance cannot be cancelled online, but you can cancel your policy over the phone, by mail, or via email. Here is a step-by-step guide to cancelling Progressive auto insurance by phone:

Step 1: Line Up a Replacement Policy First

Before cancelling your Progressive auto insurance, it is important to get a new insurance policy in place to avoid a lapse in coverage. This is because nearly all states require drivers to have liability coverage, and you may be required by law to prove you have a new insurer when you cancel your Progressive policy. Choose a new insurance policy that suits your needs and budget, and arrange for the new policy to take effect on the day you want your Progressive policy to end.

Step 2: Contact Progressive

Call Progressive's customer service department at 888-416-2003 or 800-776-4737 to cancel your policy by phone. Have your Progressive policy number and information for your replacement policy ready.

Step 3: State Your Reason for Calling

When you reach a Progressive representative, inform them that you are calling to cancel your auto policy. You may be asked to verify the policy you are calling to cancel, so have your policy and desired cancellation date ready.

Step 4: Confirm Cancellation

The Progressive agent may try to convince you to stay with them, possibly by offering a discount. If you have already chosen a new insurance provider, politely but firmly reiterate that you have made your final decision and have already lined up a replacement policy. Once the Progressive agent confirms the cancellation of your policy, you should receive a refund for the unused portion of your premium, minus any cancellation fees.

Cancelling Progressive auto insurance by mail

Progressive auto insurance can be cancelled by mail. Here is a step-by-step guide on how to do it:

Step 1: Line Up a Replacement Policy First

Before cancelling your Progressive auto insurance, it is important to line up a replacement policy to avoid a lapse in coverage. This can cause issues with the Motor Vehicle Department (MVD) and potential claim issues. So, make sure you have a new insurance policy in place before cancelling your Progressive insurance.

Step 2: Choose a Good Time to Switch Insurers

You can cancel your Progressive auto insurance at any time. However, there are a couple of ideal times to consider switching insurers:

• Start comparing rates 3 to 4 weeks before your Progressive policy renewal date. You will likely receive a renewal notice about a month in advance, which you can use to compare rates and products with competitors.
• Evaluate your insurance options after a significant life event, such as a marriage, divorce, birth of a child, moving to a new home, buying a new car, or adding a new driver. Contact Progressive to understand how these changes will impact your policy and rates, and then use this information to explore other options.

Step 3: Check for Cancellation Fees

Depending on your location and policy type, you may need to pay a cancellation fee to end your Progressive auto insurance policy before the renewal date. This fee can be around 10% of your outstanding premium. Check your Progressive policy, log in to your online account, or call their customer service for specific details.

Step 4: Choose a New Insurance Provider

Shop around and select a new insurance provider that suits your needs and budget. You can call insurance companies directly, visit their websites, or use third-party online quote comparison sites.

Step 5: Mail a Signed Policy Cancellation Form

In some states in the US, a signed document is required to cancel car insurance. This is often the simplest method. You can find pre-made forms online or create a form letter that includes the following information:

• Your name, address, and phone number
• Your Progressive policy number and the desired cancellation date and time
• The name of the new insurance provider, their policy number, and the start date/time of the new policy
• Your dated signature

Mail the form to: The Progressive Corporation, 6300 Wilson Mills Rd., Mayfield Village, Ohio 44143. It is recommended to send it at least one week, or ideally 2-3 weeks, before your intended cancellation date.

Please note that Progressive may owe you a refund for the unused portion of your policy if you have paid in advance. However, depending on your state and the timing of your cancellation, they may charge a cancellation fee.

Avoiding a lapse in coverage

To avoid a lapse in coverage, Progressive recommends that you do not cancel your current insurance policy until your new insurance policy is paid for and in place. This is because a lapse in auto insurance coverage can have several negative consequences. For example, if you cause an accident and injure someone or damage their car, you will have to pay out of pocket. This could result in an enormous and life-changing expense. The other driver could take legal action, which could cost you money or future wages.

In addition, in some situations, the department of motor vehicles in your state will be notified that you are without insurance. They can then suspend your license or fine you. You may also be required to carry an SR-22 for several years, which is an added expense on your next auto policy. Even one day without coverage can result in a higher car insurance rate, and you may not be eligible for Progressive's Continuous Insurance Discount if you have gone more than a month without insurance.

Your vehicle could also be repossessed by your lending or leasing company if you do not have insurance. Most lenders require comprehensive and collision coverage on the vehicle as part of the terms of the loan or lease.

To avoid these issues, make sure your cancellation date aligns with the start date for your new policy.

Cancelling Progressive auto insurance with a broker

Progressive auto insurance customers can cancel their policies at any time and for any reason. However, it is important to ensure that you have coverage from another insurer before cancelling your Progressive policy, as nearly all states require drivers to have liability coverage.

If you purchased your Progressive policy through a broker, you can simply inform your broker that you would like to switch to another insurance company. The broker can then handle the process of finding you a new policy and cancelling your Progressive insurance. This can save you time and effort compared to cancelling the policy yourself.

When cancelling Progressive auto insurance, it is important to be aware of any potential cancellation fees. Progressive may charge a $50 cancellation fee if you cancel within your first term, although this varies by state and when you purchased the policy. To be sure, check your policy or contact Progressive directly.

Additionally, when cancelling any auto insurance policy, it is important to understand how billing and refunds work. With most car insurance companies, you pay for the upcoming month in advance. So, if you cancel your policy partway through the month, you may be owed a refund for the remaining days of coverage. On the other hand, if you had not yet paid for the current month before cancelling, you would likely owe the company for those days of coverage.

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