How to Cancel Your Car Insurance

Schedule Brake Pad Replacement
Service Area

$124.62 - $450.29

Price range for all vehicles
Average rating from 10,732 customers who received a Brake Pads Replacement.

One of the most important parts of owning or leasing a vehicle is having car insurance. Driving uninsured is not only risky and potentially disastrous, but also illegal in most states. The penalty for driving uninsured is often a large fine, or the suspension of your driver’s license.

However, there are many reasons to cancel car insurance. Obviously, when you sell or get rid of a vehicle, you won’t want to continue paying for insurance. You may also be traveling out of the country and not need your car for a few months. Or, you may simply have found a more affordable insurance company, or an insurance policy that better fits your needs. For whatever reason, if you determine that your insurance policy is no longer needed, you’ll want to cancel it - which is a relatively straightforward process, as described below.

Part 1 of 2: Review your current insurance policy

Step 1: Figure out your existing insurance policy. Review and find the details of your current car insurance policy.

Some insurance policies are on a month-to-month or quarter-to-quarter basis, meaning that you’re never locked into your policy, but rather on a pay-as-you-go basis. If this is the case, you can cancel your auto insurance at any time.

Other insurance policies require you to sign a binding contract, guaranteeing that you’ll continue to pay for the policy for a certain amount of time. However, car insurance companies will often drop this contract if you no longer have a car to insure. For instance, if your car has been totaled or the owner of the vehicle has passed away, the insurance company will likely be willing to waive the contract.

  • Note: If you have time and money remaining on your insurance policy contract, you will not be able to simply cancel it and move to a new insurance policy. You will only be able to cancel such a policy if you no longer need the vehicle insured.

Step 2: Contact your insurance provider. Reach out to your insurance provider if you are still under contract.

If you are locked into a policy, give your insurance provider a call or visit a local office of theirs. Explain your situation and tell them why you no longer need car insurance. They will be able to tell you whether or not you can cancel your plan.

  • Tip: If you do this at an office of the insurance company, you will likely be able to cancel your policy on the spot.

Part 2 of 2: Cancel your insurance policy

Step 1: Cancel your policy. Contact your insurance provider and cancel your policy.

Reach out to your insurance company to figure out the best way to cancel your policy. Some insurers will let you cancel on the phone or online, while others will require you to send a notification in the mail.

Follow the instructions of your insurance provider, and cancel your insurance policy.

  • Tip: Regardless of how you cancel your policy, it is a good idea to mail a physical letter to the insurance company, informing them of your cancellation. That way, you can keep a hard copy for your records, should there be any mix up.

Step 2: Sign any necessary documents. Sign any documents provided by your insurance company.

Many insurance companies will require that you sign a document confirming your cancellation. This is to protect the insurance company from you claiming that you never canceled. If this is required, sign the document they provide.

  • Tip: If you are canceling your insurance policy because you found a more affordable or comprehensive policy elsewhere, your current provider may offer you a better deal on your coverage. Be sure to listen to your insurance provider before canceling, as you may find that they ultimately will provide the greatest deal for you and your vehicle.

Step 2: Cancel your automatic payment. Cancel the automatic payment that you had for your insurance plan.

After canceling your plan, be sure to cancel your automatic payment, if you had signed up for it. By canceling your automatic payment, you ensure that you will not be erroneously charged for insurance.

  • Tip: You cannot just cancel your automatic payment or stop paying by other methods, and expect your insurance to be canceled. If you abstain from paying without ever canceling your plan, you still owe all of the money, plus any late fees that have accrued.

Step 4: Contact the DMV. Contact your local Department of Motor Vehicles office.

Call or visit your local DMV office, and let them know that you have canceled your insurance policy. Let them know why you canceled, and whether you are keeping your car and switching to a new company or policy.

  • Tip: If you are canceling your insurance because the car is totaled, being sold, or being donated, you may have to turn in your registration or your license plates to the DMV.

lienholder

Step 5: Contact your lienholder. Inform your lienholder of your insurance cancellation.

If you are still making payments on your vehicle, you will have to alert your lienholder of your insurance cancellation.

Most lienholders require you to have insurance on your vehicle, as it offers them protection on their loan. Let them know why you are canceling, and if you are keeping your vehicle and purchasing insurance from a different company.

Canceling your car insurance isn’t hard at all, and the process shouldn’t take you very long. It is important, however, that you never have a lapse in car insurance. If you are switching providers, make sure that your new policy takes effect by the time your old policy ends. If there is a gap between your cancellation and the beginning of your new policy, then you should not drive your vehicle.


Next Step

Schedule Brake Pad Replacement

The most popular service booked by readers of this article is Brake Pad Replacement. Yourmechanic’s technicians bring the dealership to you by performing this job at your home or office 7 days a week between 7AM-9PM. We currently cover over 10k cities and have 100k+ 5-star reviews... LEARN MORE

SEE PRICING & SCHEDULING

The statements expressed above are only for informational purposes and should be independently verified. Please see our terms of service for more details

Recent Brake Pad Replacement reviews

Excellent Rating


YourMechanic Brake Pad Replacement Service

Average Rating

4.9/5

Number of Reviews

10,732

Rating Summary
10,227
323
67
33
82
10,227
323
67
33
82

Rigoberto

9 years of experience
706 reviews
Rigoberto
9 years of experience
Chevrolet Equinox - Brake Pads Replacement (Rear) - Niles, Illinois
Rigo was great! He got there early, finished the job early, left everything clean. He changed my rear pads and rotors. The original quoted time was 90 minutes, he was done in about 60. He knows what he is doing and I am recommending him to all my friends and coworkers.
Mercedes-Benz C250 - Brake Pads Replacement (Front, Rear) - Chicago, Illinois
Rigo is a maverick hands down. Don’t take your car for work elsewhere. Especially great at Mercedes—this guy knows his profession! I will be using him for everything related to my car going forward.

Arturo

25 years of experience
35 reviews
Arturo
25 years of experience
Kia Forte - Brake Pads Replacement (Front) - San Diego, California
ARTURO is great! very professional , fast, replaced my front brake pads and oil an filter change. everything now works and works well. Brakes have much improved stopping power and engine is smooth and quiet.Arturo is also kind and thoughtful. "Your mechanic" is very fortunate to have Arturo Lopez represent your company. I enthusiastically recommend him and "Your mechanic> as a fine operation Best regards to the Team Peter Marto
Nissan Maxima - Brake Pads Replacement (Front, Rear) - San Diego, California
Arturo was prompt and completed my brake repair, including new rotors in a very efficient manner. I am very pleased with the quality of the work and the parts and will definitely look to have him service our other car in the near future.

Scott

32 years of experience
345 reviews
Scott
32 years of experience
Lexus IS250 - Brake Pads Replacement (Rear) - Denver, Colorado
Always on time, speedy, professional, and pleasant to interact with. The work is always consistent and we'll done. I can't reccomend Scott highly enough!

Michael

10 years of experience
15 reviews
Michael
10 years of experience
Nissan Sentra - Brake Pads Replacement (Front) - Conyers, Georgia
He was promptly on time and got the job done efficiently in a timely manner. I really appreciate the rapid respone on getting the job done! I would most definitely use this service again.

Need Help With Your Car?

Our certified mobile mechanics make house calls in over 2,000 U.S. cities. Fast, free online quotes for your car repair.

GET A QUOTE