“The grass is always greener on the other side.”
You’ve probably heard this saying a million times, expressing the idea that an alternative option always seems better than what you currently have. In reality, sticking with what you have is probably the best idea.
But in the world of car insurance, sometimes the grass really is greener. While you might like your current auto insurance, there’s a good chance you’ll find a better deal if you shop for insurance coverage regularly. A new company on the market might be offering lower prices, or a rival might have lowered their premiums recently.
In that case, it might be time to switch. Luckily for customers at American Family Insurance, canceling your plan is pretty straightforward.
As you search for an alternative to American Family insurance, you’ll want to compare quotes on Insurify. Insurify puts all the information you need in one place, helping you compare 10+ free quotes side by side. Simply answer a few questions about your driving history and vehicle, and you’ll gain access to quotes and customer insights about a wide range of insurance companies.
At a Glance: What is American Family’s cancellation policy?
While American Family insurance doesn’t want to see you go, they understand that a change in financial circumstances or a major life event can lead someone to a new provider. If you want to cancel your existing Amfam coverage, you’ll want to get in touch with your insurance agent. To locate this agent, you can use their website’s Agent Locator or call their customer service line at 1-800-MYAMFAM 1 (800) 692-6326.
Although the American Family insurance website doesn’t specify whether they have a cancellation fee, reviewers confirm that they did not have to pay a fee upon canceling their plan. Additionally, if you cancel your plan before the end of your term, you’ll be refunded for any premium payment you might have made in advance.
Step 1: Look up your renewal date.
Before you get ready to cancel your American Family insurance coverage, you’ll want to gather some important information first. One key detail you’ll want to get sorted out is your renewal date. When does your policy renew? Once you know the answer to this question, it’s a good idea to try to cancel closer to this policy renewal date.
To find out your policy renewal date, either head to the American Family website at amfam.com or call up your agent. You’ll likely have to provide your policy number so that your insurance agent can look up your policy information and provide the renewal date.
Canceling close to your renewal date is a good idea if you want to be refunded for any insurance premiums you’ve already paid. Additionally, canceling near your renewal date makes for a smoother transition into your new coverage plan. It helps you avoid driving without insurance for any period of time, which is illegal in most states.
Step 2: Compare car insurance quotes.
If you’re considering canceling your American Family Insurance plan, it’s likely because you’re unsatisfied with your current insurance rates. If you don’t like how much you pay monthly, it’s time to seek out new insurance providers and decide on a new policy. The sooner you get started on your policy search, the better. After all, you don’t want a gap in your coverage.
To find a better price on car insurance, you’ll want to compare quotes with Insurify. Insurify is a powerful quote comparison tool that lets drivers place a wide variety of quotes side by side. Instead of visiting the sites for GEICO, USAA, or any other auto insurance company, why not compare quotes in one place? With Insurify, all the information you need is right in front of you.
American Family Quotes vs. Competitors
To give you an idea of what American Family’s competitors charge for car insurance, here is a list of average quotes from our proprietary database:
|Insurer||Average Monthly Cost|
|21st Century GA Limited||$165.00|
Bear in mind that these quotes are based on averages. To find out how much other companies would charge you for car insurance, use Insurify. Insurify allows you to compare customized car insurance quotes from up to 20 companies at a time––for free!
Step 3: Think about why you’re leaving American Family.
Before you decide you’re definitely leaving American Family, it’s a good idea to take stock of why you’re leaving. Perhaps you’re looking to bundle auto insurance with life insurance or homeowners insurance. In that case, you’ll probably want to seek out an auto insurance provider that offers a sizable bundling discount.
While American Family offers bundling discounts for home insurance, auto insurance, and renters insurance, you might find that a competitor offers a larger discount or that they let you bundle with other forms of insurance, such as health insurance.
Maybe you have more specific needs. You might place a high priority on roadside assistance programs and want to go with a provider that can meet your high expectations for that service. Or perhaps you have a few business trips coming up and want to go with a car insurance provider that offers the best rental car coverage.
Additionally, you might be moving to a state that doesn’t offer American Family Insurance. After all, American Family is only available in the following states: Arizona, Colorado, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Minnesota, Missouri, Nebraska, Nevada, North Dakota, Ohio, Oregon, South Dakota, Utah, Washington, and Wisconsin.
If you’re moving from one of these states to a state that isn’t serviced by American Family, it’s time for you to change providers.
Step 4: Enroll in a new car insurance policy.
Once you’ve settled on a car insurance provider that offers the products and pricing you’re looking for, it’s time to enroll in this new policy. And we know what you’re thinking: Am I really supposed to enroll in this policy before canceling my American Family insurance policy? While it might feel unintuitive, you’ll want to do just that. That’s because you want to avoid a gap in coverage. Even a few days of overlapping policies is better than going a few days without having car insurance.
Once you’ve compared plenty of free quotes on Insurify, it’s time to get in touch with your new car insurance company. All the contact information you need will be easily accessible through Insurify. You’ll need to provide these agents with lots of information, such as vehicle information, your date of birth, your desired effective date, and relevant credit card info or bank info if you’re trying to set up paperless billing or auto-pay.
Step 5: Cancel your American Family policy.
American Family insurance gives policyholders plenty of ways to cancel their plan. You can cancel by calling up the Amfam phone number at 1-800-MYAMFAM (1-800-692-6326).
The Amfam customer service line is available 24/7 in case you need to get in touch with an agent. You can also go to a local Amfam location and cancel in person. And although it isn’t the fastest method, you can also mail a cancellation request to American Family at their Wisconsin headquarters:
6000 American Parkway
Madison, WI 53783
Keep in mind that when you reach out to American Family insurance to cancel your auto insurance coverage, your agent may offer you lower insurance rates in an effort to retain your business. They also might tell you about certain discounts that you qualify for but haven’t taken advantage of. For instance, you maybe didn’t realize you qualified for their safe driver or good student discounts. While sticking with Amfam at these lower rates may be tempting, remember your reasons for canceling in the first place, and make the decision that works best for you.
Step 6: Follow up on your refund.
One of the benefits of being an American Family customer is that you’ll get a refund if you cancel your car insurance with them.
Remember that insurance carriers tend to be quite busy and might not always be terribly efficient when it comes to sending out refunds. To make sure you get what you’re owed, reach out to American Family after a few weeks if you haven’t received your refund.
American Family Car Insurance Cancellation: Quick Questions
What should I do before canceling my car insurance with American Family?
Before you cancel your American Family insurance, you’ll want to check when your renewal date is and try to time your cancellation so that it’s close to this date. Additionally, you’ll want to start searching for new insurance providers before you cancel. That way, you know exactly what policy you’ll replace American Family with and not risk a gap in coverage.
Does American Family charge a cancellation fee?
American Family’s website doesn’t mention a cancellation fee, and American Family insurance reviews don’t mention any such fee. Better yet, American Family will offer you a refund after you cancel.
Where can I find new car insurance after I've canceled my American Family policy?
Research is key when it comes to finding new car insurance. And at the heart of this process is quote comparison. The bottom line is that Insurify makes it easy to compare quotes from a wide array of car insurance providers. Simply answer a few questions about your vehicle and driving history, and Insurify will generate plenty of free quotes for you to explore. With the right information at your fingertips, you can find affordable car insurance that meets your needs.
Browse, Compare, Discover with Insurify today.