So, you’ve decided it’s time to part ways with Progressive Insurance. Whether Flo’s charm has worn off or you’ve found a better deal elsewhere, we’ve got you covered. Here’s the lowdown on how to cancel your Progressive auto insurance smoothly and swiftly.
Table of Contents
Key Takeaways
- Quick Cancellations: Progressive allows same-day cancellations over the phone. You can also cancel by mail or, in some states, online.
- Cancellation Fees: Cancelling before your policy ends might incur a fee.
- Plan Ahead: Secure new coverage a day before canceling your Progressive policy.
Cancellation Policy Overview
Progressive lets you cancel your auto policy via phone, in person, or by mail. In some states, you can even do it online. The best way is to call their customer service at 888-671-4405. They’re available 24/7, so you can cancel anytime.
What You’ll Need:
- Your name
- Policy number
- Date of birth
- Social Security number
- The date you want to end the policy
You can cancel on the same day you call, but it’s smart to wait until your policy expires to avoid any cancellation fees. You might also need to provide proof of vehicle sale or new insurance.
Cancellation Fees
Progressive doesn’t openly list their cancellation fees, but reports suggest they do charge them. These fees can vary based on your location, coverage type, and when you cancel. They could be a percentage of your premium or a flat fee ($50-$65).
Tip: Before you switch, call Progressive at 888-671-4405 to check if you’ll face a fee. Make sure to verify this with your policy documents.
Steps to Cancel Your Progressive Auto Insurance
Here’s a step-by-step guide to canceling your Progressive auto insurance while keeping your costs low and coverage continuous.
1. Know Your Policy Details
Start by finding your Progressive auto insurance card. If you don’t have it, you can access a digital version on their app. Check your policy expiration date and review your coverages and deductibles. Decide if they still suit your needs.
2. Get Quotes for Replacement Coverage
Now it’s time to shop around. Gather these details for a smooth process:
- Desired coverages and deductibles
- Coverage start date (the day before your Progressive policy expires)
- Vehicle details (year, make, model, VIN)
- Driver information (name, birth date, driver’s license number)
- Homeowner’s insurance details if you’re bundling
Collect quotes from at least three to five providers. This should take less than 15 minutes per quote.
3. Ask Progressive to Match Your Lowest Quote
If another provider offers a lower rate for the same coverage, ask Progressive to match it. The agent may also check if you qualify for any discounts, especially if you bundle your home and auto policies.
4. Start Your New Policy
If Progressive gives you a better rate, great! Start the new policy immediately. If you’re switching providers, initiate your new coverage the day before your Progressive policy expires. This helps avoid a cancellation fee and ensures you’re always covered. Get a binder from your new insurer as temporary proof of coverage.
5. Cancel Your Progressive Policy
Call 888-671-4405 to cancel your Progressive policy. Have your Progressive policy number and your new policy number ready.
The Fastest Way to Cancel
The quickest way to cancel is by calling 888-671-4405. Be ready with your personal details and policy number. You might need proof that you no longer need the coverage, such as a bill of sale or new policy number.
Before You Cancel
Ask yourself these questions:
- Cancellation Fee: Am I subject to one? Check your policy or call an agent.
- Refund: Will Progressive owe me a refund for unused days? Confirm with an agent.
- Other Policies: Will this move affect my other policies with Progressive?
- Coverage Levels: Are my new coverages sufficient?
- Auto Lender Approval: Do I need my lender’s approval for coverage changes?
When to Start Your New Auto Policy
Begin your new coverage the day before your Progressive policy ends. This avoids a coverage gap, which can lead to higher premiums or penalties if you get into an accident. Don’t risk driving without insurance—even for a day.
By following these steps, you’ll switch your auto insurance smoothly, avoiding extra costs and ensuring you’re always covered. Happy driving!
FAQ
You can cancel your Progressive auto insurance policy by calling their customer service at 888-671-4405, available 24/7. You can also cancel in person, by mail, and in some states, online.
You’ll need:
- Your name
- Policy number
- Date of birth
- Social Security number
- The date you want the policy to end
Yes, you can cancel your policy on the same day you call. However, to avoid cancellation fees, it’s often better to wait until your policy expires.
Cancellation fees may apply if you cancel before your policy term ends. These fees vary based on your location and policy details. Contact Progressive at 888-671-4405 to check if a fee applies to you.
To avoid cancellation fees, try to time your new coverage to start the day before your Progressive policy expires. This way, you can cancel right as your policy term ends.
Yes, Progressive will refund premiums for any unused days, minus any applicable cancellation fees. Confirm the refund amount and processing time with the agent handling your cancellation.
If you cancel mid-term, you may be charged a cancellation fee. Progressive will refund the unused premium days, less any fees.
Absolutely. To avoid a lapse in coverage, secure new auto insurance to start the day before you cancel your Progressive policy.
Yes, you can ask Progressive to match a lower quote from another provider. While the agent may not have the authority to lower your rate directly, they might offer additional discounts.
You may need to provide proof, such as a bill of sale if you’ve sold the vehicle or a policy number from your new insurance provider.
If you have other policies like homeowners or boat insurance with Progressive, switching auto insurance might affect those rates. Check with Progressive to understand the impact.
If you’re changing coverage levels, contact your auto lender to ensure the new coverage meets their requirements before making the switch.
