Confirm the new coverage first
Have the new insurer or agent confirm that the policy has been issued and tell you its exact start date and time. Keep the insurance documents. An online estimate, payment receipt, or inquiry confirmation alone may not establish that coverage is in force.
Coordinate the change
Follow your current insurer’s cancellation process. Ask about any fees or return premium and keep the written confirmation. If your car is financed or leased, check how the lender or leasing company needs to be listed.
- Confirm the precise start date and time
- Obtain proof of insurance
- Arrange cancellation with the current insurer
- Update any lender or lease information
- Keep copies of confirmations
Check local requirements
Vehicle registration and proof-of-insurance rules depend on your state. Contact the relevant agency if you are unsure what must be reported.