Compliance and safety
Switching cleanly, mid-term changes, and getting your refund
You are not locked into a policy term. You can switch carriers, change coverage, add and remove drivers or vehicles at almost any time — provided you sequence it correctly.
Buy the new policy with a start date on or before the old policy's cancellation date. Confirm the new policy is active and you have the insurance card, then submit a written cancellation request to the old carrier specifying the exact date.
Adding a driver, changing a vehicle, adjusting limits, or changing your address are all mid-term endorsements. The premium is recalculated from the change date, and a new declarations page is issued — read it to confirm the change is exactly what you asked for.
Most states require a pro-rata refund of unused premium. Some policies apply a short-rate cancellation fee, which is worth asking about before you commit. Refunds usually arrive within a few weeks by the original payment method.
Your lender or lessor needs the new policy details as loss payee. Some states require you to surrender plates when a vehicle is uninsured. If you sell the car, cancel only after the title transfer completes.
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