Simply pick up the phone to cancel with this online insurance provider.
Esurance is known for its accessible online system and innovative mobile apps. Whether you’re selling your vehicle or moving out of state, here’s how to cancel your auto insurance policy with esurance.
What are the ways to cancel my Esurance car insurance?
Esurance allows customers full control of their policies online — almost. Customers can sign up, change, manage, and even drop parts of their coverage without picking up the phone. However, in order to cancel your coverage, you’ll need to call an agent.
Here’s how to cancel by phone:
- Prepare your supporting documents including policy number, proof of insurance, plate forfeiture, or bill of sale, depending on your reason for canceling.
- Call 800-378-7262 to speak with a licensed agent.
- Ask for confirmation. Cancellations are often effective immediately, but ask for confirmation to prevent extra fees or complications.
- Notify your state’s DMV if you have a lapse in coverage. Many states require you to inform the DMV when you cancel or change your auto insurance, so check your state’s guidelines or ask your agent.
You may also be able to cancel your policy via mail or email, but we had trouble pinpointing the exact instructions. If this is a better solution for you, call an agent and ask them for help.
Can a family member or friend cancel my insurance for me?
No. Car insurance is a legal contract, meaning that only the policyholder can cancel. Exceptions are only made for someone who’s designated as your power of attorney — this is the only other person that can cancel your coverage, but esurance will require proof of POA.
Esurance’s cancellation policy
Esurance’s straightforward cancellation policy allows you to easily cancel coverage, but you may be faced with fees. Since coverage with esurance is prepaid, you will receive a prorate refund if you cancel before the end of your term. However, you’ll pay either a flat fee between $30 to 50 or 10% of your remaining premium balance. Cancellation fees, refunds, and policies vary depending on your state, so it’s best to call or refer to the terms and conditions page.
Do I need to have a new policy in place before canceling my policy with Esurance?
No, esurance doesn’t require you to have another policy in place before canceling coverage. However, you’ll need to provide proof that you’ve surrendered or transferred your vehicle’s plates, a bill of sale for your vehicle or proof that you’ve switched insurance providers if you plan to keep driving.
It’s illegal to drive without auto insurance in all states except New Hampshire and Virginia. Make sure that you understand your state’s requirements for car insurance before getting back on the road. Some states require you to carry insurance on a vehicle until you turn in your license plates, so be aware that esurance may directly notify your state’s DMV of your cancellation.