How To Cancel Car Insurance Progressive? Everything you need to know

Want to know how to cancel car insurance progressive? Read below for detailed information on how to proceed with policy cancellation and things to consider in this regard.

Progressive auto insurance is one big name in the world of auto insurance. Just like most other companies out there, you can manage your insurance policy with Progressive online. That is a lot of hassle gone; there is no need to visit the offices, wait in the lounges, and walk through the boring alleys of paperwork. You can do all of the necessary stuff online, enjoying the comfort of your home all the while.

It’s quite common for insurance companies to accommodate their users online these days. Almost all companies have active online portals and quite effective online services. You can find answers to most of your burning insurance questions online. BUT, there is something that only Progressive does for you! Any leads?

It is the only Insurance company that lets you cancel the policy online. You can end your relationship with Progressive just as easily as it started. Just a few necessary clicks, and there you go! It’s all over like it was never even there.

However, this excellent service is not present in all states. It is a limited service, and it may not be allowed in many places. So, the only thing standing between you and ending your Progressive insurance is a phone call or an email to one of the agents for information. The customer service is great, and you likely won’t even have to go through any cumbersome procedures.

Are there progressive insurance cancellation fees?

There are no progressive cancellation fees according to the provider’s website (although some customers have reported a fee), but you may not necessarily get a full refund either. Here’s how Progressive will charge you when you cancel your coverage:

Pro-rata: Calculation of remaining coverage based on remaining days. Progressive can refund you 90% of unused coverage days, keeping 10%.

Short-term interest: The older your policy is, the less you will get back because it is assumed that you used up more of the premium at the start of your policy than at the end.

How do I avoid paying Progressive’s insurance cancellation fee?

Generally, Progressive would not charge you anything when you decide to cancel the policy. They do not have the 10% of the remaining premium rule. If you are in your first term and your first renewal date has not yet arrived, you will pay around $50 while canceling the policy. Once you have renewed, you do not have to pay for cancellation.

Progressive is absolutely amazing in some ways, and it undoubtedly stands out among the crowd when it comes to its insurance cancellation policies. Unlike many competitors, policy cancellation is a piece of cake with Progressive.

How to cancel your Progressive auto insurance policy?

Have you ever wondered why there is so much commotion about car insurance cancellation? Why can’t one end an insurance policy online when so much happens online? What is the deal about it? Well, an insurance policy is a legal contract, and it is written into action with all of the identity details of a person. It is a legal obligation, and in case of non-compliance, there can be legal actions.

So you see, it’s a big deal, which is why many states do not allow you to cancel your insurance policy online. You will be required to be there in person and do the necessary paperwork. Many states require you to inform the DMV when canceling or changing your auto insurance, so check your state’s guidelines or ask your agent if this is necessary.

However, you can smoothly go through the process in some states where online cancellation is allowed.

There are different ways of ending an insurance policy, and we are going to list and explain them below.

How To Cancel Progressive Insurance Online

Online cancellation works simply. If you are in a state where online cancellation is allowed, you can simply log in and check how to proceed. The primary thing will be to click the cancellation option if there is one showing. From there onwards, you will be directed step after step towards the final goal. The procedure is reasonably self-explanatory, and you won’t need a guide or someone on call to help you.

However, all things are not the same for everyone; you may have to call up an agent for guidance even when canceling your plan online. If you are in a state where the online cancellation is available, but it’s not showing on the website, you might have to ask the company agent about it. They will guide you on reaching the online cancellation portal and making use of the service.

How To Cancel Progressive Insurance By phone

Cancellation can be completed in different ways; 0nline cancellation is not the only option. You can end the policy very easily via the helpline. Call 866-416-2003 to have a detailed chat with a licensed agent. This will be so easy because direct communication is better than online or messaging. You get the exact answers and clarify if there are any complications and misunderstandings.

You can even schedule a date and time for a meeting where you will have to go through the manual process of cancellation. The agent will need to know your policy number and other credentials like your name, SSN, and your date of birth. If you are a forgetful fellow who doesn’t remember numbers easily, you better have these documents by your side while you make the call.

It always saves time and hassle; you go through the process easily and smoothly.

How To Cancel Progressive Insurance In-person

If you want to be all proper  and be sure of everything, you can go to the office personally and do the honors of canceling the policy in person. Book your appointment in advance on the phone if you intend to do that because otherwise, you might have to waste quite a bit of your precious time. You can also cancel your insurance policy in person for added peace of mind. Visit your local Progressive branch and speak with an agent about canceling.

While there are many options for canceling your policy, still the best and the most trustworthy is the one where you do it in person. At least, some people feel that way!

How To Cancel Progressive Insurance By Mail

Some states ask for a signed document when you want to cancel your car insurance policy, but regardless, the mail option is the simplest method. It is hassle-free; you can just use Progressive’s request for cancellation form, fill it and send it to the company.

Alternatively, you can write your own letter stipulating the same information. This is not an instant process, though. You should have a week’s delay in your mind while you are using this cancellation method.

The Progressive Corporation

6300 Wilson Mills Road

Mayfield Village, Ohio

44143

Do I need to have a new policy before canceling with Progressive insurance?

As a user, you may want to have another policy in place before you end the one with Progressive. You won’t like the idea of being on the road without any protection. However, Progressive has nothing to do with that. They are not at all particular about it. You can end your Progressive insurance without having opted for another one.

If anyone, your state may require you to get a new policy and even present the documents proving that you have one in place for the vehicle. Alternatively, you will have to prove to the authorities that you have transferred the car to someone, showing your vehicle’s plates’ transfer rights or your vehicle’s bill of sale at the cancellation.

Since driving without a license is illegal, it is your own responsibility to have one. Different states will have different requirements regarding car insurance, and the duty falls upon you to understand your state’s laws regarding the matter. In most states in the United States, you cannot drive a car without insurance. In some states, you may even be asked to keep the papers with you on the vehicle while driving as insurance proof.

Keep in mind that you must be very clear about the process. You cannot just let go of the insurance and be on the roads without one. Progressive may even inform the State authorities about your decision to end the policy without having another one in place. Insurance is a legal matter, as mentioned earlier in the article, one has to stay within the legal limits.

What should I consider before canceling my policy progressive insurance?

  • Does your state need proof of your new insurance? It is illegal to be driving without car insurance, so you must show there is no lapse in auto insurance coverage while you buy a new car and end the existing insurance plan.
  • When should you be switching your service providers? What is the best time to do this? Shopping around once a year is always a great way to go about these things. Other options include life-changing events like getting married, having a baby, or changing houses may be great for changing yet another important thing- auto insurance.
  • Always think about the time that will bring the cancellation into effect. One great thing about ending your insurance on the phone or online is that it’s effective immediately. For mail and in person, you may have to wait a few days for various reasons. This is one very important consideration while considering policy cancellation.

Reasons to Cancel Your Progressive Insurance Policy

The most common reason people cancel their Progressive auto insurance policy is because they find a cheaper policy with another company.

  • Your current plan is no longer affordable
  • You found a better rate with a different provider
  • You are relocating to an area the provider does not service
  • You are having issues with the provider

Whatever the reason, if you’re considering cancelling your Progressive auto insurance policy, be sure to weigh all of your options first.

What is the Progressive Insurance Cancellation Fees?

Most auto insurance companies will charge a cancellation fee if you cancel your policy before the end of the term. These fees can range from $25-$50. In some cases, you may be able to avoid a cancellation fee by switching to another company that offers a better rate. However, it’s always best to check with Progressive first to see if they’ll waive the fee.

How to Decide When to Cancel Your Progressive Insurance Policy?

There are a few things to consider before cancelling your Progressive auto insurance policy. First, if you have a loan or lease on your vehicle, your lender will likely require you to maintain full coverage auto insurance.

Conclusion

Signing up for a policy is for one and one reason only- to protect oneself and the vehicle out on the road. It goes without saying that it saves one from legal punishment. Canceling your progressive policy may have many reasons, though. There are several ways of canceling the Progressive policy, and some are more convenient than others. The article explains the various ways to cancel Progressive auto insurance and the information required for such an action.

Charles Bains

Charles Bains

Charles Bains started his insurance career as a marketing intern before pounding the pavement as a commercial lines agent in Orlando, FL. As an industry journalist, his articles have appeared in a variety of trade publications. His insurance television career, short-lived but glorious, once saw him serve as the expert adviser on an insurance-themed infomercial (yes, you read that correctly). Having recently worked for various organizations, coupled with his broader insurance knowledge, Charles is able to understand our client’s needs and guide them accordingly. He is a gem for Insurance Noon as his wide area of expertise and experience have been beneficial in conducting further researches to come up with solutions and writing them in a manner which is easy for everyone including beginners to comprehend.