You can end your insurance policy with The General at any time, but prepare to pay a fee.
If you’ve found a better rate with another provider or merely going car-free, your car insurance policy is one agreement that allows for the right to cancel at any time.
If you’re with The General, you have a few ways to start the cancellation process. But you’ll likely pay a cancellation fee, and you’ll have to mail in your cancellation notice.
The General’s cancellation policy
The General likes to do business online — except when it comes to canceling your policy.The easiest way to cancel your policy with this low-cost insurer is to contact your local agent, who will then ask you to put your request in writing. It’s an extra step you won’t find with all providers.
Unlike other providers that allow you to cancel early without penalty, The General charges a 10% cancellation fee on any premiums remaining in your policy term.
While you can terminate your policy at any time, keep in mind that auto insurance is legally required in most states. If you’re planning to continue driving, you’ll want to line up a new policy before canceling your coverage with The General.
How do I avoid paying The General’s cancellation fees?
If you decide to cancel your policy before the end of your term, do the math to see if it’s worth switching now or waiting out the end of your policy.
Clear about its cancellation policy, The General lays out the 10% cancellation fee in its policy documents.
How can I cancel my policy?
The General is tech-savvy, offering a sophisticated online portal, app and live chat function. And while you can manage or change your coverage on those platforms, to cancel your policy, you’ll need to get in touch with an agent over the phone, in person or by mail. Expect the last-ditch sales pitch, but know that you have the right to cancel your policy at any time.
No matter which route you go down, this insurer requires written notice before processing your cancellation.
Info you’ll need to cancel your policy
In your written notice of cancellation, include:
- Your name, address and phone number
- Your Social Security number and date of birth
- Your driver’s license number
- Your policy number
- The date you’d like your policy to end
- Your dated signature
What’s the best way to cancel The General car insurance?
For a smooth cancellation request, start with your local agent. If you’re hoping to avoid any sales pitch to stay with the provider, you can mail in your written notice, though The General might still contact you to confirm cancellation. The insurer operates offices all over Louisiana. If you live close by, you can pop in to cancel your policy in person.
You’ll still need to mail in your notice, but your local agent can explain the process and go over any information or forms you’ll need to include.
Cancel by phone
For the most personalized service when canceling your policy, contact your local agent directly. Visit The General’s website for a list of all locations.
Otherwise, call the customer service team at 888-333-2331. Hours are Monday through Thursday from 7 a.m. to 9 p.m. CT, Friday from 7 a.m. to 8 p.m. CT and Saturday from 8 a.m. to 4 p.m. CT.
An agent will talk you through the cancellation process, which involves sending in written notice. Depending on where you live, you may need to inform the DMV that you’ve canceled or changed your auto insurance. Ask your agent if that applies to you.
Cancel by mail
The General requires written notice of cancellation. To bypass the phone call and request cancellation by mail, sign and date a letter indicating your intent to cancel to:
The General Headquarters
2636 Elm Hill Pike, Suite 510
Nashville, TN 37214
Mail your letter at least three weeks before the date you want your coverage to end to allow time for shipping, processing and delays.
Cancel in person
Do you live in Louisiana? The General operates physical offices all over the state, making it convenient to cancel your coverage in person. To get it done quickly, bring along your policy information, your driver’s license and details on your new policy, if you have one.
To find a branch location near you, visit The General’s website and scroll to Locations.
How can I confirm my policy is canceled?
You’ll receive mail and email confirmation. Access your proof of cancellation by logging in to your MyPolicy portal.
If you haven’t heard back from The General with confirmation that your policy is canceled, reach out to your local agent or customer service to make sure you don’t need to provide any additional information.
When is the best time to cancel or switch car insurance?
The short answer: You should cancel your car insurance policy whenever you find better or more suitable coverage.
It’s worth exploring your options if you’re:
- Moving to a new state. Auto insurance laws vary by state, as does coverage. If you’re moving, compare car insurance providers in your new state to find an affordable policy that meets your needs.
- Moving overseas. Car insurance doesn’t cross borders. So if you’re moving abroad for work or study, you may want to cancel your policy.
- Getting married. Married drivers can often score discounts on their policies. Ask if one applies to you.
- Buying a home. Many insurers offer more than one line of insurance, so you may be able to bundle your homeowners and car insurance policies for a sweet discount.
- Studying and safe driving. Many carriers reward good students and safe driving with a percentage off your premium. If you’re killing it at school or you’ve recently completed a defensive driving course, ask if you qualify for savings..
- Boosting your credit score. Has your credit score improved? You may be able to reduce your premium with a new provider.
Can I cancel at any time?
Yes. With auto insurance, you have the right to cancel your policy whenever you want. Make sure you mail your cancellation letter at least three weeks ahead of the date you’re hoping to end your policy.
If you’re insured with The General, you’ll likely pay a cancellation fee equal to 10% of your remaining premiums.
What should I consider before canceling my policy with The General?
When deciding whether to cancel your policy or wait out the term, here’s what to ask:
- Will I end up paying fees for canceling? The General charges a cancellation fee that’s 10% of your remaining premiums. If you’re on a tight budget, crunch the numbers to figure out if it’s worth canceling now.
- Does your state require proof of new car insurance? Unless you live in New Hampshire or Virginia, it’s illegal to drive without car insurance — even if for a couple of days. To ensure there’s no gap in your coverage, have a new policy in place before canceling your current one.
- How much time do I need to switch policies? The General requires written notice of cancellation, so allow three weeks for them to receive and process your letter. If you’re canceling in person, cancellation is effective immediately.
Should I cancel or adjust my policy?
If you’re not happy with your provider’s pricing, customer service or claims process, you may be better off cutting ties and canceling outright.
Before you sign off, consider your financial situation. If you cancel your policy with The General, you’ll need to pay 10% of your remaining premiums while making payments for your new car insurance policy. That said, your new provider might offer discounts that save you money in the long run.
Don’t overlook the benefits of staying with your provider. The General offers a slew of discounts for many of life’s stages and achievements. If you’ve recently married or bought a house, for instance, give your agent a call to find out whether you qualify for savings before you cancel outright.
Alternatives to The General
If you’re set on canceling, you have plenty of options. When shopping around for car insurance, you might want to look into these providers.
Breaking up with your car insurance provider doesn’t have to be difficult. With The General, you’ll have to cancel by mail and prepare to pay a standard cancellation fee.
Compare car insurance providers to find one that’s an affordable fit for your needs.