If you’re a SafeAuto car insurance customer looking to cancel your policy, you may have questions about how to do so. Fortunately, the process to cancel your policy is relatively easy.
Here’s what you need to know about canceling your SafeAuto car insurance policy.
When it comes to ending your relationship with an insurer, you can choose not to renew your policy or you can cancel before the renewal date. It’s your choice, but waiting to end the relationship until the renewal period may be easier and result in fewer fees.
If you choose to cancel, you can do so by:
Calling SafeAuto customer service
Visiting a local branch
Emailing customer service
Faxing a handwritten request
If you cancel your policy before it expires, SafeAuto may keep a percentage of the unearned premium. Additionally, canceling prior to the expiration date may result in a cancellation fee. This fee varies by state. You can contact your insurance agent or SafeAuto customer service to learn more about any potential fees that may pertain to canceling your policy.
As you begin your process toward cancellation, follow these steps.
The first step to canceling your SafeAuto policy is to look up your policy renewal date. You can find your renewal date in your policy documents or by contacting SafeAuto customer service.
Canceling your policy close to the renewal date helps minimize the risk of a coverage lapse. Avoiding such lapses in coverage is essential to minimize your potential financial loss in the event of an automobile accident. For example, if you cause a car accident while between insurance policies, you’ll likely be responsible for the resulting property damage and medical expenses that you and the other parties suffer.
Car insurance rates can vary between companies, as every auto insurer measures potential risk slightly differently. Factors that companies consider and that may influence your car insurance rates include your age, ZIP code, vehicle type, driving history, deductible, credit-based insurance score, and more.
Comparing multiple quotes can help you find the best insurance coverage for your needs at the most competitive price.
It’s essential to secure a new car insurance policy before canceling your current one to avoid a gap in coverage. You can buy an auto policy directly from an insurance company, through an insurance agent, or through an online insurance marketplace.
Before buying a new policy, you’ll want to determine the amount of coverage you need. At first you may be tempted to purchase the minimum amount of coverage required in your state and call it a day. But buying additional coverage — such as comprehensive insurance, collision insurance, uninsured/underinsured motorist insurance, and personal injury protection — may make more sense, depending on your needs.
When applying for a new auto policy, you may also need to provide the following information as part of the application process:
Desired policy effective date
Date of birth
Vehicle identification number (VIN)
Payment info, such as your credit card number
Once you’ve looked up your renewal date, compared quotes, and purchased a new policy, it’s time to cancel your SafeAuto car insurance policy. Generally, the fastest way to cancel your policy is to call your insurance agent or the SafeAuto customer service line.
SafeAuto mentions on its website that people can also cancel their policies with a handwritten statement. This statement must include your name, address, date of birth, policy number, requested cancellation date, and signature.
As you move to cancel your SafeAuto policy, make sure you understand any fees associated with the cancellation.
In some cases, SafeAuto may owe you a refund after you cancel your insurance policy. Refunds depend on various factors, such as your state, policy type, and renewal date.
Contact your insurance agent or a SafeAuto customer representative to learn about your refund eligibility.
Since SafeAuto specializes in providing non-standard auto insurance to high-risk motorists, its quotes can be higher than some other car insurance companies. Companies may consider you high-risk if you have a car accident, multiple claims, or traffic violations on your record. Discounts and low down payments can help you save on your SafeAuto bill.
The average cost of SafeAuto car insurance is $84 per month for minimum coverage. This is lower than the national monthly average of $103 for liability insurance.
In the table below, you can see how SafeAuto compares to other similar-sized insurers.
If you’re thinking about canceling your SafeAuto insurance coverage, this additional information may help you decide.
SafeAuto may charge a cancellation fee, depending on your state and policy type. Contact your insurance agent or a SafeAuto customer service representative to find out if a fee applies to your particular situation.
Yes. You can cancel your SafeAuto policy at any time. But canceling prior to your renewal date may result in a cancellation fee. Additionally, the company may keep a portion of the unearned premium.
Once your policy is canceled, SafeAuto will send a notice of cancellation to you (and your lienholder, if applicable). You can also confirm your cancellation by calling a SafeAuto customer service representative or your insurance agent.
SafeAuto offers grace periods for non-payment, which vary by state. The grace period time frame is a minimum of 11 days and may be longer in some cases. After you miss a payment, you should receive a notice with additional information regarding the grace period.
The only way to cancel your SafeAuto insurance online is to email customer service, according to the company’s website. The email should include your name, your policy number, an explanation of your request, and the date you want the policy to be canceled.
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