When changing car insurance companies, it's usually your responsibility to cancel coverage with your old insurer. Your new insurance company can provide proof of insurance to your old company if needed, but it's generally not authorized to cancel a policy with another insurer on your behalf. After purchasing a new policy, you should immediately contact your old insurer and cancel your old policy. You'll receive a car insurance refund for any unused portion of your policy, subject to any cancellation fees that your insurer may charge.
Renewing your car insurance is often a simple process. Your insurer will contact you by mail or email with the updated rate. If you accept the updated rate, simply make a down payment or pay your renewal quote in full. In addition, if your policy includes car rental reimbursement and your car is damaged in a covered accident, Progressive will pay the rent (up to a specified limit and term) while your own car is repaired.
If you don't have loopholes or cancellations in your insurance history, you'll usually get a lower car insurance rate. For example, Progressive offers a discount when combining insurance policies, such as homeowners insurance, motorcycle insurance, boat insurance, recreational vehicle insurance, and more. Learn more about car insurance for teens, insurance for seniors, and how age affects your car insurance rate. While your rate might be lower when a new car insurance company quotes, its protection and claim compliance may not match the standards of your current insurer.
We charge a higher rate for customers who are more likely to file claims and a cheaper auto insurance rate for customers who are least likely to file claims. There are a variety of factors that affect your car insurance rate, such as your age, location, driving history, use of the vehicle, accidents, type of vehicle, and more. If you lend your car to someone and that person causes an accident, Progressive may cover some of the damages they are responsible for. You can change insurers at any time, even if you just renewed your policy with another insurance company.
During your progressive quote, you won't be able to select car insurance coverages that don't apply to you. Adding your spouse to your car insurance policy offers some small but favorable benefits, including potentially lower costs and the convenience of having a single policy. You can pay for your car insurance policy by credit card, PayPal, online check, personal check, money order, or electronic funds transfer (EFT) from your checking account.