If you’re not happy with your Progressive car insurance policy and want to cancel it, don’t worry—the process is relatively easy.
However, your timing may affect whether or not you owe any extra fees when you cancel Progressive.
At a Glance: What is Progressive’s cancellation policy?
Progressive advises that you call the company at 1 (866) 416-2003 to cancel your current policy.
Typically, policyholders will not be subject to cancellation fees. That means you won’t see any penalty charges on your credit card bill just for canceling.
You might even be eligible for a refund equivalent to your remaining unpaid policy premium.
Read on to see how to cancel your Progressive car insurance policy in minutes.
Step 1: Look up your renewal date.
The easiest time to cancel an insurance policy is right before it renews.
Check your policy documents or login to your account on the Progressive website to see when your insurance policy will expire. If the renewal date is pretty far out and you don’t want to wait that long, go ahead and start the cancellation process anyway—worst case, you’ll owe a little extra in cancellation fees. Progressive usually doesn’t charge a cancellation fee, but this can vary in certain states and with certain types of insurance policies.
Step 2: Compare quotes for a replacement auto insurance policy.
Unless you’ve gotten rid of your vehicle entirely, you’ll need to get a replacement car insurance policy from another insurance company. And you’ll want to start shopping for this policy immediately so that you have plenty of time to compare your options.
When you compare insurance quotes, you’ll usually be asked when you want the new coverage to start. Pick a date a day or two before your Progressive policy will end—that way, you can be sure you won’t end up with any coverage gaps. Losing what insurers call “continuous coverage” can skyrocket your rates on the new policy, and depending on where you live, your state may also penalize you for going without auto insurance coverage (even if it’s just for one day).
You may think the next step is just to get car insurance from whatever the cute mascots on TV tell you to do. But before you head over to GEICO’s website or call up Jake from State Farm, consider seeing almost all the options available to you in one convenient place.
Insurify is the perfect place to start your car insurance quotes comparison journey. Just enter a few points of personal information, details of your driving record, and the policy expiration of your Progressive policy. In a matter of minutes, you’ll see a quote list from up to 20 auto insurance providers. Compare rates, toggle between coverage options, adjust deductible amounts, and explore the details of each real, bindable quote. You can even choose to pay online or over the phone.
Be sure to set policy parameters that are similar to the features and components of your current policy. That’s how you know the car insurance companies you’re comparing on Insurify offer you similar coverage to what you have now. For example, if your Progressive policy includes roadside assistance, confirm that the quotes you’re getting also have roadside assistance bundled in…if that’s a coverage option you want to keep.
With Insurify, you can compare quotes instantly and discover a policy that works for your needs and your wallet. Save that quote list for later if you’re not ready to switch just yet.
Step 3: Think about your reasons for leaving Progressive.
Are you shopping for a new policy because you can get a better deal elsewhere, or because you have a problem with Progressive itself?
If it’s the former, contact Progressive’s customer service department (the phone number is 1 (800) 776-4737) and share some of those lower quotes you received. Insurance providers will often slash rates to keep a customer from leaving, and depending on what Progressive offers at that point, it may be worth just keeping your old policy. You may also call your insurance agent for this purpose if you signed up through an agent rather than directly online at Progressive.com.
Significant life changes will often affect your insurance rates, so if you haven’t informed Progressive about your new car or a job change, that could explain why its rates are higher than those of other insurance companies. In that case, you can save yourself a great deal of money with a simple phone call.
The same could be said, however, for a change in your credit score or driving history. Ask your Progressive representative if any negative factors have contributed to a recent rate hike. Policyholder loyalty has also been known to lead to higher rates. That’s right—an insurance provider can charge you more just for not abandoning it over the years! Read here for more factors that will increase your car insurance rates.
Step 4: Sign up for a replacement auto insurance policy.
Because of the problems that coverage gaps can cause, you’ll want to sign up with a new auto insurance company before you cancel the old policy.
On your Insurify quote list, you’ll be able to view each real, bindable deal and specify whether you’d like to buy online or over the phone from a dedicated agent. Now, make a choice that works with your needs and your wallet! Take note of your new policy length (six months or a year) and how much you’ll owe today as a down payment to let your policy kick in.
As outlined in the graphic above, among the thousands of users who reported having a Progressive insurance policy and ended up switching on Insurify, many switched from Progressive to Liberty Mutual, Elephant, Mercury, Dairyland, GAINSCO, SafeAuto, Bristol West, and Clearcover. You might find success with one of these other car insurance options.
Once you’ve secured that new auto policy, you might want to connect with a representative at your new insurance provider. Some insurance companies will take care of the cancellation process with your old company, which can save you some time and hassle. Ask if your new insurance company offers this service. Also, the new insurance company may be willing to cover the cost of any cancellation fees to encourage you to switch. It certainly doesn’t hurt to ask.
Step 5: Cancel your Progressive auto insurance policy.
Once you’re set up with your new insurance policy, it’s time to call Progressive at 1 (800) 776-4737 and tell the representative you want to cancel your policy. The Progressive agent will probably try to talk you into keeping your existing policy. Progressive may even offer you a sweet deal to keep you as a customer (which is why it’s wise to test the waters by calling Progressive before you make the switch if price is the reason you’re changing companies). Politely tell the customer service agent that you’ve already signed up with a new insurance company, and you’re committed to changing policies.
The Progressive agent will probably ask you some questions about your new policy, such as the name of the new insurer, the policy number, and the date when the policy is scheduled to start. Make sure you have this information handy when you place the call.
Step 6: Confirm your refund amount.
If you change from Progressive to a new insurance provider before your policy is due to expire, you should get a refund. The refund amount should reflect any unused insurance premiums refunded to you. This can be quite a significant amount of money if you prepaid your policy for a year and are switching insurance companies reasonably early on. The customer service agent should be able to tell you how much you’ll be getting back when you call to cancel; also, make sure they have up-to-date contact information for you. Progressive will send you a check in the mail, and you should get it within a few weeks. If you don’t receive that check promptly, call Progressive customer service again and find out if and when Progressive issued it.
You’ll also receive a formal notice of cancellation from Progressive, usually in the same envelope as your refund check. Hold onto this letter just in case there are any problems with your transition. For example, if Progressive renews your policy despite your canceling it, you’ll be able to send Progressive a copy of that letter to prove that the company should reverse the charges.
Canceling at Renewal: A Special Case
If you wait to cancel your Progressive auto insurance policy until right before it’s due to renew, you’ll still need to call the customer service number and officially cancel your policy. Most insurance policies renew automatically, so if you don’t tell Progressive that you’re canceling, you’ll end up paying premiums to both Progressive and your new insurance company.
Before you make any permanent steps towards canceling your Progressive policy, make sure to use Insurify to compare rates on comparable policies from other auto insurers. Comparing car insurance quotes with Insurify can help you explore new coverage options, unlock discounts, and uncover insurance companies that might get you a better deal!
Progressive Car Insurance Cancellation: Quick Questions
What should I do before canceling my car insurance with Progressive?
Before canceling your car insurance policy, be sure to check your renewal date and compare quotes for a replacement policy. Use an auto insurance quotes comparison site like Insurify to find and buy a new policy that kicks in coverage before your Progressive plan expires.
Does Progressive charge a cancellation fee?
The typical Progressive cancellation fee is $0. Progressive usually doesn’t charge a cancellation fee, but this can vary in certain states and with certain types of insurance policies. Be sure to check with a representative so you're prepared to incur any fees for canceling.
Where can I find new car insurance after I've canceled my Progressive policy?
It's illegal to drive without car insurance, so find a new policy in minutes on a site like Insurify. Comparing car insurance quotes on one streamlined platform will secure you discounts and ensure that you're getting the right policy for you. You might even save up to hundreds of dollars per year on your premium for similar coverage you got with Progressive.
Browse, Compare, Discover with Insurify today.