If you decide to cancel your policy or your insurance company cancels it, you usually won't receive a refund from car insurance unless you've paid the premium in advance. For example, let's say the term of your policy is 12 months and you pay the premium for the entire year in advance. If you cancel your policy after just three months, your insurer will issue an insurance refund for the remaining nine months. Since almost every state requires drivers to have liability coverage, you must have a current auto policy with another insurer when you cancel with your current insurer.
If you lend your car to someone and that person causes an accident, Progressive may cover some of the damages they are responsible for. This information is not an insurance policy, does not refer to any specific insurance policy, and does not modify any provision, limitation or exclusion that is expressly stated in any insurance policy. There's no need to cancel your car insurance after selling a car if you're driving a different vehicle. Because insurance premiums are determined in part by where you live, you can get a lower rate on your new policy if you move to an area where rates are cheaper, and your insurer can reimburse part of your insurance premium.
If you're buying a new car, you can contact your insurance company to add your new car to your current car insurance policy. Filing a car insurance claim can be a difficult process, and you're not the only one with questions about how things work. If you are not insured by Progressive or are a Progressive customer without logging in to your account, you can report or view an existing claim here. Most states require car owners and drivers to have liability insurance coverage, and some require additional coverage even for owners of cars who don't drive.
Keep in mind that if you're moving to another state, you won't have to change insurers unless your insurance company doesn't offer coverage in that state. Yes, you can cancel your car insurance after selling it once you've transferred the title to the new owner, completed the bill of sale, and filed a notice of exemption from liability to your state's department of motor vehicles, if your state requires it. You could be held legally and financially responsible for any accident involving your car while you're selling it, which means that it's in your best interest to maintain your insurance. During your progressive quote, you won't be able to select car insurance coverages that don't apply to you.
You can change insurers at any time, even if you just renewed your policy with another insurance company.