Canceling Hartford Auto Insurance: A Step-By-Step Guide

If you're looking to cancel your Hartford auto insurance, there are a few methods you can use. You can cancel by phone, mail, or in person. If you're an AARP member, call 1-800-423-6789, or for regular policyholders, call 1-877-896-9320. You can also send a letter with your policy number, name, address, phone number, and signature to The Hartford, P.O. Box 14215, Lexington, KY 40512. Alternatively, visit your nearest Hartford insurance office and speak to an agent. Remember to have your basic information and policy number ready and consider whether you'll need a new insurance policy before cancelling.

Cancelling by phone

To cancel your Hartford auto insurance by phone, you can follow these steps:

• Call The Hartford's customer service line: Dial 1-800-423-6789 if you're an AARP member, or 1-877-896-9320 if you're a regular policyholder.
• Inform the representative that you wish to cancel: When you get through to a customer service agent, let them know that you want to cancel your auto insurance policy.
• Provide your policy number and personal information for verification: The customer service representative will ask for some details to verify your identity and pull up your policy. Make sure to have your policy number and personal information, such as your name, address, and phone number, ready.
• Submit a cancellation request or letter if required: In some cases, The Hartford may ask you to submit a formal cancellation request or letter. This can be done over the phone or by following up in writing.
• Inquire about any applicable refunds: If you've paid your premium in advance, ask about getting a refund for the unused portion of your policy. The Hartford may provide a refund, minus any cancellation fees, if applicable.
• Confirm the policy end date: Make sure to get confirmation from the customer service representative about the date when your policy will officially end. This is important, especially if you plan to continue driving and need to arrange alternative insurance coverage.
• Ensure your new insurance policy aligns with The Hartford's termination date: If you're continuing to drive, it's crucial that your new insurance policy starts on the same date that your coverage with The Hartford ends. This will help you avoid a lapse in insurance coverage, which is illegal in many states and can result in fines.

Remember, while you can cancel your auto insurance policy with The Hartford at any time, there might be a 10% cancellation fee, depending on the state you live in. Therefore, it's always a good idea to review the terms and conditions of your policy or consult with a customer service representative to understand any applicable fees or penalties for early cancellation.

Cancelling by mail

To cancel your Hartford auto insurance by mail, you will need to write a letter that includes your policy number, name, address, phone number, and the date you would like your policy to end. Sign and date the letter, and mail it to the following address:

The Hartford

P.O. Box 14215

Lexington, KY 40512

If you are an AARP member, send your cancellation letter to:

AARP Insurance Program

The Hartford

PO Box 14219

Lexington, KY 40512

It is important to note that cancelling by mail may take longer than cancelling by phone. If you are switching to a new insurance provider, you should initiate the cancellation process with your new provider to ensure that your new policy is effective before your old policy is cancelled. This is important because driving without car insurance is illegal in many states and can result in fines.

Additionally, if you have already paid your premium for the policy period in full, you may be entitled to a refund for the unused portion. However, depending on the state you live in, you may be charged a 10% cancellation fee for ending your policy early. Therefore, it is recommended to check with your insurance provider to confirm any applicable fees or refunds.

Cancelling in person

To cancel your Hartford auto insurance in person, you will need to visit your nearest Hartford insurance office and speak with an agent. It's important to note that you cannot cancel your policy online or through the app.

Before visiting the office, make sure you have the following information ready:

• Your name, address, and phone number
• Your Hartford policy number
• The date you would like your policy to end

If you have already paid your premium for the policy period in full, you may receive a refund for the unused portion. However, depending on the state you live in, you may be charged a 10% cancellation fee.

If you have sold your vehicle, you may be asked to provide a bill of sale. The Hartford may also ask for the details of your new car insurance policy to verify that you will not be driving without insurance.

Remember, it is important not to let your coverage lapse. Driving without auto insurance is illegal in most states and can lead to fines and other legal consequences. Make sure you have a new insurance policy in place before cancelling your current one.

Getting a refund

If you've paid your premium for the full policy period, The Hartford will refund the unused portion. However, depending on the state you live in, you may be charged a 10% cancellation fee.

To get a refund, you can call The Hartford to cancel your auto insurance, but you need a replacement policy to continue driving. You can also cancel by mail or in person. You will need to provide basic information about yourself, your policy number, and the date you would like your policy to end. The Hartford may also ask for the details of your new car insurance policy.

If you are an AARP member, you can call 1-800-423-6789 to cancel. For regular policyholders, the number is 1-877-896-9320.

If you are cancelling by mail, you will need to include your policy number, name, address, and phone number in your letter. Sign and date the letter, and mail it to:

The Hartford

P.O. Box 14215

Lexington, KY 40512

If you are an AARP member, send your cancellation letter to:

AARP Insurance Program

The Hartford

PO Box 14219

Lexington, KY 40512

For regular policyholders, the address is:

The Hartford Personal Lines

The Hartford

PO Box 14219

Lexington, KY 40512

Avoiding a lapse in coverage

To avoid a lapse in coverage when switching from The Hartford auto insurance, you should take the following steps:

Firstly, verify your renewal date with The Hartford. Check if you need to wait until your policy ends to avoid fees. 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 address or vehicle information.

Next, compare auto insurance quotes from at least three different companies to find a new policy. You can generally switch car insurance companies at any time, but be aware that you may face fees or penalties for doing so mid-policy.

Before you cancel your policy with The Hartford, make sure your new policy is effective before your cancellation date to avoid a lapse in coverage. Driving without auto insurance is illegal in most states and can lead to fines, suspension of your driver's license, and possible jail time. It can also result in higher insurance rates in the future, as insurers may classify you as a high-risk driver.

If you've already paid your premium for the policy period in full, The Hartford will refund the unused portion. However, depending on the state you live in, you may be charged a 10% cancellation fee.

Frequently asked questions