Are you planning on canceling your Farmers auto insurance policy? As a customer, you have a right to cancel your car insurance at any time for any reason.
However, all insurance companies have their own cancellation policies. To avoid any problems or gaps in insurance coverage, it’s important to closely follow the cancellation process.
How to cancel Farmers auto insurance
Farmers Insurance doesn’t provide much information on their website about their cancellation policy. However, it is included in your auto insurance policy documents, which you can easily access on the Farmers mobile app or by signing into your online account.
Who to contact:
- Local agent – Your main point of contact will be your Farmers agent. Contact them for information on how to cancel. Use the Find an Agent page on the Farmers website if you don’t know your agent’s information or if you want a new agent.
- Customer Service – If you can’t reach your agent, call Farmers Customer Service at 1-888-327-6335. There is always someone available to answer your questions from Mon-Fri at 7:00 a.m. to 11:00 p.m. Central Time and Sat-Sun 8:00 a.m. to 8:00 p.m. Central Time.
General steps to effectively cancel your car insurance
As noted above, Farmers does not publicize the cancellation process. Regardless of your provider, there are general steps and factors to consider when canceling your auto insurance policy.
Decide to cancel
Be prepared to provide your agent with your reason for cancellation. There are a variety of reasons you might be canceling your auto insurance policy including:
- Switching to another provider for a better price or you’re dissatisfied with Farmers
- Selling your car and you will no longer be driving
- Moving to a location where Farmers doesn’t do business
Remember to consider all your options. Before making the final decision, you want to think about whether or not canceling your policy is the best option. If you mention to your agent that you are looking to reduce your premium, there’s a chance that they might be able to offer you different options, discounts or other incentives to keep your business.
If you’re looking for more information before contacting your agent, Farmers does provide detailed information about auto insurance coverage, discounts, and other frequently asked questions on their website.
If you are selling your car, an option to consider is switching to a non-owner’s policy, which covers a liability claim above your car owner’s policy coverage.
Consider when to cancel
While you are free to cancel your policy anytime, the optimal times to switch insurance companies are before the renewal date of your policy and before your next monthly payment is due.
Don’t forget to check with your agent for any timing restrictions. Some insurers require a 30-day notice and some states have laws that prevent a cancellation during the first month or 60 days.
Contacting your insurance company
It’s important that you do not simply stop making payments or even let your policy lapse. If you do this instead of contacting Farmers to cancel your policy, you could have extra fees or fines to pay if you have a gap in coverage.
Your agent may ask for you to submit your cancellation request in writing. Depending on the state you live in, your agent may request other documents, such as a copy of your new insurance policy, proof of license forfeiture, or vehicle bill of sale.
Purchase new policy with new provider
If you are switching providers, make sure you obtain your new policy before canceling your Farmers policy.
Any gap in coverage — even for one day — can result in fines and suspension of your driver’s license and registration. Also, any insurance lapses will go on record and will likely result in you becoming categorized as a high-risk driver and you could face higher premiums in the future.
If you are involved in an accident without insurance, you will be liable for personal injury and property damages incurred by an at-fault accident and you may be subject to arrest. An incident like this will classify you as a high-risk driver and you will face higher insurance rates.
Understand your obligations under state law
Contact your state’s DMV to determine the legal requirements with respect to canceling your auto insurance policy. Most states require auto insurance for your car to be registered or plated. Some states even require proof of coverage to your insurance company when canceling your policy.
Request a refund
While most insurers will prorate your premium and refund the unused amount if you paid your policy in full, you might have to pay a cancellation fee. Farmers does not publish this information online, so make sure you ask your agent.
If you’re behind in your payments or added a new vehicle to your policy, you’ll have to pay the amount you owe before the cancellation can be processed.
Confirm your cancellation
Obtain written confirmation of your cancellation. This’ll be helpful if there are problems with the processing of your cancellation. If you are due for a refund, make sure this is reflected in the confirmation. After you receive the confirmation, check your online account to verify that the policy has officially been canceled.
Contact other parties
Once you receive confirmation that your policy is canceled, make sure you contact the following:
- Lienholder – If you’re making payments on your car, lienholders generally require drivers to maintain certain coverages, such as comprehensive and collision
- Financial institution – Ensure that you cancel any scheduled automatic payments
- State DMV – Some states require drivers to report car insurance cancellations. You might also have to turn in the vehicle’s license plates and registration tags
Since Farmers doesn’t publicly disclose information about policy cancellation, contact your agent for any questions you may have. It’s possible for you to cancel at any time, but each insurer has their own guidelines for the process.
If you find auto insurance confusing, the Cover app can find the right insurance for you at a great rate.
Are you with a different insurer? Read about other canceling with other companies here: