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Esurance is known for its accessible online system and innovative mobile apps. But you still have to call to cancel, and be prepared to pay a cancellation fee.
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.
Make sure you don’t have a lapse in coverage by having new insurance in place before cancelling if you will continue to drive. Your new insurance provider will likely be able to help you with this.
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 prorated refund if you cancel before the end of your term. However, you’ll typically pay a flat fee of $50, or in some cases 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.
But you can avoid this fee by waiting until your policy comes up for renewal. Let Esurance know that you want your policy to end when your current term expires and you can avoid any penalty fees.
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No, in general Esurance doesn’t require you to have another policy in place before canceling coverage. However, your state’s laws may require 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. 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 plate, so be aware that Esurance may directly notify your state’s DMV of your cancellation.
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.
If you’re not happy with your provider and can’t get a resolution, canceling your policy outright might be the way to go. Or you might have found a better rate at another provider. But first compare all of your car insurance options to find the right provider for you.
However, there are benefits to sticking with your current provider and adjusting your policy. Esurance offers many discounts. If your driving record has improved or you bought a house, these are life events that can bring the cost of your coverage down. Check with your agent to see what discounts and options might be available for you. Even threatening to cancel your policy might prompt the agent to offer you a discount in an effort to retain you as a customer.
Canceling your insurance with Esurance is as easy as picking up the phone, but make sure you have new car insurance coverage before canceling if you plan on driving.
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