Is There a Fee to Cancel American Family Insurance?
Last Updated on November 9, 2023
If you have an American Family Insurance policy, then you may be concerned about cancellation fees.
Fortunately, American Family Insurance, like most insurers, does not charge a cancellation fee. In fact, American Family Insurance may provide a refund on premiums you have already paid.
Keep reading to discover everything you need to know about canceling your American Family Insurance policy and how much it costs.
Table of Contents:
- How to Cancel Your American Family Insurance Policy
- American Family Insurance Charges Zero Cancellation Fees
- American Family May Provide a Refund on Premiums
- What You Need to Cancel American Family Insurance
- Avoid a Lapse in Coverage When Canceling American Family Insurance
- Other Things to Know Before Canceling Your American Family Insurance Policy
- How to Confirm Cancellation
How to Cancel Your American Family Insurance Policy
Whether you have car insurance, home insurance, or any other policy with American Family Insurance, you cancel your insurance policy in a similar way.
The best way to cancel your policy is to call your agent. Check your insurance policy to verify your agent’s address and contact information. Or, use American Family Insurance’s agent locator to find an agent near you. Your agent can walk you through the cancellation process.
Alternatively, you can call American Family Insurance’s customer service department. It’s open 24/7. A customer service agent can direct you to your agent. Or, they can submit a cancellation request form to your agent on your behalf. Call 1-833-381-1155 to speak with American Family Insurance’s customer service department.
American Family Insurance Charges Zero Cancellation Fees
American Family Insurance, like most insurers, does not charge a cancellation fee.
You will not pay a fee for canceling your auto insurance policy before your renewal date, nor will you face other penalties.
Depending on when you cancel your American Family Insurance policy, in fact, you may receive a refund on premiums you have already paid.
American Family May Provide a Refund on Premiums
If you have already paid your insurance premium, and you cancel before your expiration date, then you may receive a refund.
American Family Insurance, like most insurers, provides a refund on premiums you have already paid.
If you paid for auto insurance for all of April, for example, and cancel your policy on April 15, then you receive a refund for the remaining month of April.
Similarly, if you paid for auto insurance in a lump sum upfront for 6 or 12 months, then American Family Insurance will refund any premiums that cover dates after your cancellation date.
What You Need to Cancel American Family Insurance
To cancel your American Family Insurance policy, you’ll need:
- Your name
- Your policy number
- The date on which you want your policy to end
In some cases, American Family Insurance may require proof of new insurance coverage to ensure you’re not driving without insurance. Or, if you sold your vehicle and are not intending to drive at all, then American Family Insurance may request evidence – like a bill of sale. Otherwise, American Family Insurance may not let you cancel your policy because it could allow you to drive illegally without insurance.
Avoid a Lapse in Coverage When Canceling American Family Insurance
The most important thing to remember when canceling your American Family Insurance policy is to avoid a lapse in coverage.
If you cancel your policy before finding a new insurance company, for example, then you may have a lapse in coverage. That may mean you’re uninsured. Driving without insurance can lead to license suspension and other penalties. It also exposes you to significant financial risk.
To avoid a lapse in coverage, activate your new car insurance policy before canceling your American Family Insurance policy.
Make sure your new policy starts on the date your old policy ends. If you cancel your American Family Insurance policy on November 1, for example, then your new policy needs to begin on November 1 (not November 2) to avoid a lapse in coverage.
Other Things to Know Before Canceling Your American Family Insurance Policy
Canceling auto insurance is a straightforward process. However, here are some things to know before canceling your American Family Insurance policy:
Verify Pricing with Your New Insurer: Some insurers dazzle you with a cheap quote, only to adjust pricing when you sign up. Make sure you have a concrete quote from your new insurance company that includes your driving history, demographic information, and vehicle make and model. If a generic quote sounds too good to be true, then it probably is. Verify pricing with your new insurer before canceling your American Family Insurance policy.
Consider Discounts You May Lose: American Family Insurance offers discounts for having multiple policies, paperless billing, and automatic payments, among other options. They also offer KnowYourDrive and Smart Home discounts. Although most insurers offer some variation of these discounts, you may lose the discounts when switching to a new insurer.
Plan in Advance: It may take some time to cancel your American Family Insurance policy. Your agent may need written notice, for example. If you’re expecting to cancel your American Family Insurance immediately today, then you may be disappointed – it could take a few days. Plan your cancellation in advance. Instead of choosing tomorrow as your cancellation date, for example, pick a date two to three weeks from today.
Avoid Paying for Double Coverage: If you don’t line up your cancellation and activation dates, then you could pay for double insurance coverage. This is unnecessary. Avoid being double covered by activating your new insurance policy on the date you cancel your American Family Insurance policy.
Line Up Insurance Cancellation and Activation Dates to Avoid a Lapse: The most important thing to remember when canceling an American Family auto insurance policy is to line up insurance cancellation and activation dates to avoid a lapse in coverage. Being without insurance for even a day or two is risky – and illegal.
How to Confirm Cancellation
American Family Insurance should send you a cancellation notification within 2 to 3 weeks.
If you do not receive a cancellation notice, or if you want to verify cancellation, contact the insurer.
Final Word on Cancelling American Family Car Insurance
There’s no fee to cancel your American Family Insurance policy. Just call your American Family Insurance agent or contact the company’s customer service at 1-833-381-1155 to request cancellation.
After you submit a cancellation request, you may receive a refund on premiums you have already paid. American Family Insurance, like most insurers, does not charge a cancellation fee.
