Canceling Usaa Auto Insurance: A Guide

There are several ways to cancel your auto insurance with USAA. You can call an agent at 1-800-531-8722 and request an immediate cancellation, or you can send a written request to cancel your policy by mail. If you cancel before the term is up, you may be owed a refund. It is recommended that you start your new insurance policy the day before you cancel your USAA coverage to avoid a gap in coverage, which could result in higher future premiums.

Cancelling by phone

Cancelling your USAA auto insurance policy by phone is a straightforward process. Here's a step-by-step guide to help you through it:

Step 1: Gather the Necessary Information

Before initiating the cancellation process, ensure you have the following details on hand:

• Your name, address, date of birth, and other basic personal information.
• Your USAA policy number.
• The date you would like your policy to end.
• If you're switching insurers, have the details of your new car insurance policy ready. This is to verify that you won't be driving without insurance.
• If you've sold your vehicle, have the bill of sale ready.

Step 2: Contact USAA

To cancel your USAA auto insurance policy by phone, follow these steps:

• Call USAA's customer service at 1-800-531-8722.
• Speak with a representative and express your intention to cancel your policy.
• Provide them with the information mentioned in Step 1.
• Confirm the cancellation details, including the effective date of cancellation.

Step 3: Follow Up on Your Refund

If you've paid your premium for the full policy term and are cancelling before the term ends, you may be entitled to a refund for the unused portion. Contact USAA to check if you're eligible for a refund and understand their process for issuing refunds.

Step 4: Confirm the Cancellation

After cancelling your policy, it's important to ensure that the cancellation was successful. If you were making automatic payments, check your bank and credit card statements to confirm that payments to USAA have stopped. You should also receive confirmation of the cancellation from USAA by mail or email.

Additional Tips:

• USAA recommends calling and speaking with an agent to cancel your policy. However, you can also send a text message to their number (1-800-531-8722) to request a cancellation.
• While USAA doesn't charge cancellation fees, it's important to cancel before the renewal date to avoid additional charges.
• If you're switching insurers, ensure there's a small overlap between your old and new policies to avoid a lapse in coverage.

Cancelling by mail

Cancelling your USAA auto insurance by mail is a straightforward process. To begin, type up a letter that includes your name, address, date of birth, and policy information. You should also include the date you want your policy to end and sign and date the letter. If you've sold your vehicle, you may be asked to provide a bill of sale, and if you've already paid your premium for the policy period in full, USAA will refund the unused portion. You can then mail your letter to:

USAA

9800 Fredricksburg Rd

San Antonio, TX 78288

Although USAA does not impose a cancellation fee or penalty for early termination, it's important to remember that you don't need to cancel your policy just because you're going through some life changes. For example, if you're moving or buying a new car, you can simply update your mailing address or vehicle information with USAA.

Cancelling in person

To cancel your USAA auto insurance in person, you will need to 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, date of birth, and Social Security number
• Your USAA policy number and driver's license number
• The date you would like your policy to end
• Proof of a new policy if you are switching insurers
• Proof of sale if you have sold your car

USAA may also ask for details of your new car insurance policy to verify that you won't be driving without insurance. It's a good idea to check your policy's fine print or contact USAA directly to check on any fees or penalties for ending your policy early.

If you have already paid your premium for the full policy term, USAA will refund you for any unused portion. USAA does not impose a cancellation fee or penalty for early termination.

Cancelling online

USAA allows its customers to cancel their insurance policies online. To do this, log in to your USAA account, navigate to your policy details, and select the option to cancel the policy. Once your cancellation is approved, your policy status will be updated online.

To cancel your USAA policy, prepare the necessary details, including your name, address, Social Security number, policy number, and driver's license number. You may be asked to provide your new policy information if you are switching insurers.

It is best to have a small overlap between your old policy and your new one to avoid having a lapse in coverage. If you are selling your car, make sure your policy does not end before your car is sold.

If you cancel before the renewal date, you might get a refund if you've paid for your policy yearly. USAA charges you only for the services that you use. Mostly, USAA gives refunds to all policyholders who pay 6 to 12 months in advance.

You can also cancel your policy through the USAA app. Log in to your account through the app, go to the cancellation page, and proceed with the cancellation. You may also send a text request for cancellation on the number 1-800-531-8722.

Cancelling via the USAA app

Cancelling your USAA auto insurance via the app is a straightforward process. Here is a step-by-step guide:

• Login to your USAA account: Using your mobile device, open the USAA app and log in to your account using your credentials.
• Navigate to the cancellation page: Once you are logged in, find and access the cancellation page within the app. This page should be under the "Policy" or "Account" section of the app.
• Provide the necessary information: You will need to provide some basic information to process the cancellation. This includes your name, address, date of birth, policy number, and the date you want your policy to end. Have this information ready before initiating the cancellation.
• Confirm your new policy: Before cancelling your USAA insurance, it is recommended to have a new auto insurance policy in place to avoid a lapse in coverage. Compare the benefits and additional coverages offered by your new insurance provider and ensure that your new policy will start on the same day your USAA policy ends.
• Request cancellation: On the cancellation page, you may be required to provide a reason for cancellation and any relevant documentation, such as proof of replacement coverage or a bill of sale if you have sold your vehicle. Follow the prompts within the app to submit your cancellation request.
• Follow up on your refund: If you have paid for your USAA policy in advance, you may be entitled to a pro-rated refund for the unused portion of your premium. Contact USAA directly or check your policy documents to confirm if you are eligible for a refund and how it will be processed.
• Confirm the cancellation: After submitting your cancellation request, ensure that it has been successfully processed. Check your USAA account status and look out for confirmation of cancellation by mail or email. If you do not receive confirmation, follow up with USAA to ensure your policy has been cancelled as requested.

Remember, it is important to have a new auto insurance policy in place before cancelling your USAA policy to avoid any gaps in coverage, which could result in legal and financial risks. Additionally, USAA may ask for details of your new policy to verify that you will not be driving without insurance.

Frequently asked questions