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Additional Details
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Mike | Change insurance after just getting it.? |
I recently bought a 6 month policy with allstate yesterday as it was the cheapest around. I was looking over quote from other companies again and found geico was now $35 cheaper a month. Do i have to wait until my policy ends to change over or can I cancel it and get a refund? |
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Scotty Doesnt Know
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No, you don't have to wait.
Insurance is sold on a daily basis. In most, if not all, states, you are free to cancel your policy at any time. Just make sure you have your new insurance in force before cancelling your old insurance. |
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ktlove
 |
they will charge you, read your application, it probably says if you cancel within the first two months there will be a percentage taken out. you will not get a full refund, you will pay more than that $35 on the write off or early cancellation fee. Stay where you are, and shop at your renewal or you will pay out more. |
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mbrcatz
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No, you can cancel it now, but if you cancel outside the renewal date, you could be charged both a cancellation fee and a short rate penalty. So you'll have to look at the costs to cancel vs. your savings.
Plus, when you move over to geico, there's ALSO a possibility that you could be "uprated" due to a mistake in the original rating process. |
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blb
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You need to check over the application that you signed. It will state whether there is a charge for cancellation. It sounds like you are paying monthly so I would wait until the next payment is due and switch at that time. Make sure you have the other coverage in place before cancelling your other policy. You do have to call Allstate and let them know the date you want the policy cancelled or they will charge you for the days thru your grace period. |
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Jason S
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I assume this is a personal auto policy. If not then this information will not apply. Policies can be cancelled at any time, even the day after you put them in place. However, the policy may include some type of fee or "Minimum earned" percentage. These are not very common, but you will want to be sure about it before you request cancellation.
My advice would be to call the 800 number for Allstate if you are worried about your Allstate Agent being upset and just ask about the procedure to cancel your policy and if there are any fees charged.
I hope this helps! |
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Nate W
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Your Allstate agent should be able to "cancel the policy flat", meaning no coverage was given, so there will be on fees or surcharges. It will be a full refund.
The problem with this is, you could have a lapse in your insurance. If you already cancelled the policy with company prior to Allstate then you will have 2 day gap with no insurance and that can affect your premiums with Geico.
Be sure that your ACTUAL premium with Geico will be cheaper than Allstate b4 you switch. Quotes can often be inaccurate and misleading. |
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sortaclarksville
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You can cancel, but you will not get a full refund. Some places will pro-rate it to the day you cancel. Others will make you pay for the full first month. |
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