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Liberty Mutual makes it easy to cancel your auto insurance coverage by phone, but you might have to wait to get your prorated refunds on the rest of your policy premiums.
Liberty Mutual’s cancellation policy allows you to easily cancel coverage, but you may be faced with fees. Some customers claim there was no charge, while others paid fees of up to $100.
Liberty Mutual offers 12-month policies, which means you may be charged for early cancellation if you cancel before the end of that 12-month period. However, cancellation fees, refunds and policies vary depending on your state, so it’s best to call and speak with an agent.
But don’t just stop paying your insurance premium or you’ll face a lapse in coverage. You must notify Liberty Mutual that you want to cancel your policy.
If you will incur a fee for canceling early, you might want to consider waiting until the end of your policy term to cancel. To find out if you will be charged a fee, speak with a Liberty Mutual customer service rep at 800-658-9857. If you are not switching to a new provider and will no longer be driving, weigh the cost of the cancellation fee against the remainder of your total payments and any prorated refund.
While it’s easy to adjust your coverage online, you won’t be able to cancel your policy without calling in. The fees and process of canceling vary based on the state in which the policy was issued. A customer service agent will walk you through the process.
In short, no. Liberty Mutual doesn’t require you to have another policy in place before canceling coverage.
But remember that it’s illegal to drive without at least the minimum auto insurance. Make sure you understand your state’s requirements for car insurance to avoid any unnecessary repercussions. Some states require you to carry insurance on a vehicle until you turn in your license plate, so be aware that Liberty Mutual may directly notify your state of your cancellation.
No. Since car insurance is a legal contract, only the policyholder can cancel. An exception is someone who’s designated as your power of attorney — this person can cancel your policy, but Liberty Mutual will require proof of power of attorney.
If you’re not happy with your provider and can’t get a resolution, switching to another provider could be the option for you. Or if you are looking to save money, you might be offered new customer discounts at another provider. But first compare all of your car insurance options to find the right provider for you.
However, there are benefits to staying with your provider and adjusting your policy. Liberty Mutual offers different discounts — for example, if you’ve been with Liberty for more than three years you might be eligible for a lower rate. Give Liberty a call at 800-658-9857 to see what discounts can be applied to your policy.
Cancelling your coverage with Liberty Mutual is as simple as picking up the phone. But know the consequences of ending your car insurance before you do so and have new coverage in place if you intend to continue driving.
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