How To Cancel My Progressive Insurance | Cancel With These Steps

My dad was shocked to know the extra $25 fees for the inspection of his car, for the next car insurance policy. It was only after he canceled his policy with Geico. Have you done this all and now are planning to cancel your Progressive insurance? Most of you are hardly aware of these inspection fees and the inspection hassle that requires you to take down your vehicle to the insurer, but it only happens if you have canceled your existing policy or it has ended and you haven’t renewed. Not only this, it also attracts a fine and potential case of driving registration cancellation in many states in the U.S.

Progressive Insurance is one of the largest and most well-known insurance companies in the United States, which provides a variety of insurance products, including auto, home, renters, and business insurance. Progressive is known for its emphasis on innovation, competitive pricing, and digital tools for customers. Anyway, hope you understand the conditions and other terms mentioned in your policy agreement and are canceling with a new policy insured by another vendor, to avoid any lapses in between the policies. 

If you are selling your vehicle, then even a policy is required, but if you are halting it for a longer period, then it’s a good idea to cancel the insurance and save money. How you can do, that is all I have explained below in different methods, broken down into simple steps for clear and better comprehension. If you are still looking for a new insurer, I have some options listed for you below.

Can I Cancel Progressive Insurance Anytime?

Yes, the Progressive policyholders can cancel their auto insurance policy at any time and for any reason without any questions asked. In case of any urgency, you cancel right away and don’t have to wait until the end of your policy period, even in the scenario if your policy only started a few days ago.

Our experts suggest you reach out to your insurer or agent on what best way they advise you to cancel your policy. Some insurance companies and some states in the U.S., allow you to cancel right over the phone or online, and in some states, insurers may require written notification or any such authorized/signed document. I have different methods explained below, see which one suits your case. 

There are some important terms and policies from Progressive and in general which you must understand and then cancel to avoid any unexpected circumstances;

• Normally, insurers refund the money for the unused portion of your policy, in case you have paid in advance. However, depending on your state, and the timing when you cancel, your insurer could also charge a cancellation fee. 
• In America, all states require drivers to have valid and comprehensive liability coverage. Make sure you have an auto policy in effect with another insurer when you cancel the current one with Progressive. Moreover, if you finance or lease your vehicle, then the lender or lease company will always require comprehensive coverage and collision coverage. 
• Ensure that your new policy covers your vehicle for any physical damage. You can avoid a lapse in coverage by ascertaining that the Progressive policy cancellation date aligns with the start date for your new policy. 
• Remember that if you’re moving to another state, you don’t typically need to change the insurer unless Progressive Insurance doesn’t offer coverage in that state. 
• There’s also no need to cancel your car insurance after you have sold your car. Simply inform Progressive about the change in ownership so they can update your policy.
• Check your Progressive policy for any cancellation fees, as this depends upon the laws in your state and the premium and type of policy you have. Some Progressive policies as per the terms require you to pay a cancellation fee to end your policy before the renewal date.
• The cancellation fee is often 10% of your outstanding premium. For example, if you have 3 months remaining at $150 per month, your fee would somewhere around be $45. In case of a prepaid policy, Progressive will refund the unused term following your cancellation, minus any fees. 
• Every state in America has an insurance law for motor vehicles, and you must prove you have a valid new insurance policy in place when you cancel your Progressive policy.
• Some states in the U.S. also require you to notify the Department of Motor Vehicles (DMV) when you are canceling or switching your auto insurance, so check your state’s compliance guidelines to avoid fines or registration suspension. 
• If you have availed bundling renters or homeowners insurance along with a car insurance policy and you cancel your car insurance, the premium rates for the remaining insurance on your home insurance go up. 

Also, read How To Cancel Geico Insurance | Follow These Simple Steps

How To Cancel Progressive Insurance?

The Progressive insurance policy can be canceled easily and there are a few different types of methods to do that. Which way exactly you will have to adopt, will be guided by your insurer or local agent. I have mentioned the best possible ways below to cancel your Progressive insurance policy.

How To Cancel Progressive Insurance Via Mail?

This method is easy but is comparatively time-consuming and requires you to mail in a signed policy cancellation form. In the U.S., many states will ask for a signed document from the policyholder in order to cancel their car insurance, and it’s considered the simplest method regardless of the time it takes, make sure you are doing this well in advance.

You can get pre-drafted forms online that you can fill in and mail out. Or, simply write up a quick form letter that contains the following information;

• Your name, address, and phone number
• Your Progressive policy number, and the date and time (e.g., 12:01 am) at which you want it to end
• The insurer’s name, policy number, and start date/time for your new policy
• Your dated signature
• Mail it to The Progressive Corporation, 6300 Wilson Mills Rd., Mayfield Village, Ohio 44143.
• Mail it out at least 1 week (or, if possible, 2 to 3 weeks) before your intended cancellation date.
• Check for any correspondence in the next couple of days on your mailbox and proceed as outlined.

Also, read How To Cancel Cox Internet | Follow These Steps

How To Cancel Progressive Insurance Via Phone Call? 

This one is the most preferred method, in your state if you have the option of this, I would suggest you go for it, as this would provide you an opportunity for clear and quick communication and comparatively faster results. Before you call them make sure you have your account information readily available. Information and details required are your Policy number, the name listed on the account, and other general information.

Follow the simple steps below to cancel your subscription over a phone call.

1. Call Progressive Insurance customer service at 1-866-416-2003 from your registered mobile number.
2. Put forward your concern once you get connected to a representative that you wish to cancel your insurance with them.
3. Make sure you remember all your policy details or account information. Provide all the required details. 
4. Clearly mention which assets you want to keep and for which you need to cancel the insurance, this is mostly the case when you are availing of bundled policy options.
5. If you have bundled policy service, and understand the premium rates for the remaining assets which you will be paying after you have canceled, the premium rates are most likely to increase.
6. Cross-verify with the customer service agent that your policy has been canceled/processed before you finish the call. Ask for a confirmation receipt for your request which contains the date of cancellation, as this will be required for the next policy purchase.

Alternatives To Progressive Insurance

If you’re considering switching from Progressive Insurance, there are various other reputable alternatives available to consider. I have listed them below and each of them provides competitive pricing, unique features, and different types of insurance products, like auto, home, renters, and more. Below are some of the top alternatives to Progressive Insurance, check what suits your needs;

Allstate

• Overview: Allstate is a well-established and known insurer providing auto, home, renters, and life insurance. It’s famous for its customer satisfaction and broad coverage options.
• Notable Features:
  • Drivewise: A usage-based program that rewards safe driving habits.
  • Claim Satisfaction Guarantee: If you’re unsatisfied with a claim experience, they also offer refunds.
  • Accident forgiveness options.
• Best For: Drivers who need strong coverage options and excellent claims handling.

Liberty Mutual

• Overview: Liberty Mutual also provides customizable policies for auto, home, renters, and life insurance. It’s mainly known for its greater flexibility in coverage and discounts.
• Notable Features:
  • Better Car Replacement: Replacement of your car with a newer model in case of a total loss.
  • Accident Forgiveness: Avoids rate increases after the first accident.
  • Multiple discounts which include multi-policy bundling.
• Best For: Drivers who require policy customization and additional coverage options.

Nationwide

• Overview: Nationwide provides auto, home, renters, life, and business insurance, with a major focus on customer service and a wide variety of insurance products.
• Notable Features:
  • Vanishing Deductible: Reduces your deductible for every year of safe driving.
  • Accident forgiveness along with roadside assistance options.
  • Discounts for bundling auto and home insurance.
• Best For: Drivers who need long-term savings and loyalty rewards.

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Conclusion

I hope this guide has been able to provide answers to many of your questions regarding the cancellation guidelines and procedures for your Progressive insurance policy. Remember that it’s not some OTT subscription you are canceling and you can just tap cancel and it’s fine, make sure you understand the policy guidelines and terms I have stated above, or for more details contact Progressive customer support and then only process to cancel your Progressive insurance policy.

It’s something directly related to the local law and order and could attract fines, bans along with total seizure of vehicles in case an arbitrary action is taken.

Frequently Asked Questions