Progressive Insurance offer a lot of advice on how to switch policies and very little as to how to cancel it. Of course they would like to keep their customers and hate to see them leave.
Thankfully, it is just as easy to cancel their policy as it is to switch from one to the other. The procedure will vary slightly based on which state you reside in but the general outlines should be the same.
It is always prudent to have an insurance policy lined up before you cancel the one you currently have. Your time of cancellation may also affect which type of fees you pay for cancelling your insurance.
Usually policyholders of Progressive Insurance are not subject to cancellation fees. On the contrary, there might be eligible to receive a refund if there is an unpaid premium balance.
The process of cancelling a Progressive Insurance policy is as follows:
Check Your Policy's Renewal Date
It is crucial for you to know when your current policy expires before you cancel it. Visit your online account at Progressive Insurance's website or check your policy documents.
If the date is not close, you can start the cancellation process right way as long as you don't mind paying the cancellation fees. As stated earlier, the fees will vary from state to state. If the date is close, you can wait till the policy expires to avoid making a payment.
Compare Different Replacement Policies
You need to allot yourself enough time before the expiry of your current policy to compare the various options at your disposal. It will help you make the most comprehensive decision you can.
You should also state a beginning date that is a few days before your Progressive Insurance policy ends so there are no coverage gaps. You may be charged significantly higher rates if you have a coverage gap in some states.
Sites that compare similar insurance policies from different providers will be your best helpers. Review all the elements tied to each policy and ensure that they are better than what you have now.
Outline your Reasons for Leaving Progressive
Before you leave your Progressive Insurance policy behind, you should ensure that you are doing so for the right reasons. You should ask yourself whether you are leaving Progressive because their services have proven unsatisfactory or because you found a better deal elsewhere.
When you contact Progressive Insurance and tell them you want to cancel your policy, their representatives are allowed to make you offers to keep you a customer. In case, the offers make for a better deal than elsewhere, you can stay with the company. If not, insist that you want to leave.
Sign up for the New Policy
As stated earlier, you need to acquire a new policy before you cancel the old one. After evaluating the quotes on similar policies by different insurance providers, commit to an option at this stage.
After signing for the new policy, contact a customer service rep from the new company. Ask them if they can cancel the old policy for you. If this is not an option, you will have to do it yourself.
Cancel your Progressive Policy
Call Progressive Insurance customer service and tell them that you want to cancel your policy. Adhere to your choice to cancel your policy despite numerous attempts to get you to stay.
Ask the amount you are owed in refunds from the company. You should have calculated this before based on the unpaid premiums you made that have not been paid out.
If you want to cancel your policy with Progressive Insurance, contact them here for more assistance.
After thousands of Progressive Insurance customers came to GetHuman in search of an answer to this problem (and many others), we decided it was time to publish instructions. So we put together How Do I Cancel a Policy with Progressive Insurance? to try to help. It takes time to get through these steps according to other users, including time spent working through each step and contacting Progressive Insurance if necessary. Best of luck and please let us know if you successfully resolve your issue with guidance from this page.
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