If you no longer need car insurance from Allstate or have found better coverage elsewhere, you may want to cancel your Allstate auto insurance policy. Here’s a step-by-step guide on how to properly cancel Allstate car insurance.
Canceling your policy is easy and only takes a quick phone call or short letter. We’ll walk through the cancellation process and key information you’ll need to provide.
Overview of Canceling Allstate Car Insurance Policies
Allstate makes canceling straightforward, with just a couple requirements:
Contact Allstate – You must directly notify Allstate of the cancellation either over the phone, by mail, or in person. You can’t cancel online.
Provide policy details – Have your Allstate policy number, account information, and requested cancellation date ready.
Submit request – Allstate may ask you to put the cancellation request in writing after the initial phone call.
Receive confirmation – Allstate will confirm your cancellation and send any refund owed for unused premiums you pre-paid.
As long as you contact Allstate and provide the necessary policy details, cancellation typically takes effect either immediately or on a future date you specify.
Below we’ll explore the step-by-step process to cancel and what you need to know about potential fees, suspensions, and impacts to your car insurance status after canceling Allstate.
Step 1: Have Your Allstate Policy Information Ready
Before contacting Allstate to cancel your policy, make sure you have the following information handy:
Your full name and contact details – Including phone number and address.
Allstate policy number – Found on your insurance documents or Allstate ID card.
Account number – If different than your policy number.
Cancellation date – The date you want your policy canceled and coverage to end.
Also have information related to your new insurance policy on hand if applicable, such as the new provider’s name, your new policy number, and coverage start date.
Having all this information ready makes the cancellation process quick and straightforward.
Step 2: Contact Allstate to Cancel
With your policy details in hand, you’re ready to contact Allstate to cancel your insurance coverage. You have three options:
Cancel by Phone
The quickest way to cancel your Allstate policy is to call them at 1-800-255-7828 and speak to a representative. Explain you want to cancel your policy and provide the necessary details from Step 1.
Cancel by Mail
You can also cancel your Allstate insurance by submitting a written cancellation request. Your letter should include:
- Your full name and contact information
- Allstate policy number
- Requested cancellation date
- Reason for cancellation (optional)
Sign and date the letter and mail it to:
Allstate Insurance Company
PO Box 660598
Dallas, TX 75266
Keep a copy for your records.
Cancel in Person
Lastly, you can request cancellation in person at a local Allstate insurance agency. An agent can guide you through the process and may have you fill out a cancellation form.
Canceling over the phone is typically fastest, but all three methods are accepted.
Step 3: Provide New Insurance Details (if applicable)
If you’re canceling Allstate because you’re switching to a new insurer, be prepared to provide:
- Name of your new insurance company
- New policy number
- Date the new coverage starts
Having this information handy helps ensure there is no gap between policies that would leave you uninsured.
Allstate may ask for proof of your new coverage, so keep your new policy documents or ID card accessible just in case.
Step 4: Pay Any Owed Premiums
If you haven’t already paid your Allstate premium in full for the current policy term, you’ll need to pay any outstanding amount when you cancel. Allstate will only refund the unused portion of premiums already paid.
For example, if you pre-paid for 6 months of coverage but are canceling after just 2 months, Allstate will refund the remaining 4 months. But any premiums still owed for the current term must be paid.
Step 5: Receive Confirmation of Cancellation
Within 5 to 7 business days after canceling your Allstate policy, you should receive written confirmation by mail. This will verify your policy has been terminated and list any refund amount you’re owed.
If you don’t receive confirmation within 7 business days, contact Allstate to verify that your cancellation request was processed.
Once you receive written confirmation, you know your Allstate policy is officially canceled and coverage has ended.
Allstate Cancellation Fees and Refunds
Allstate does not charge any fees for canceling your car insurance policy early. You can terminate coverage at any time without penalty.
However, Allstate will only refund the pro-rated unused portion of any premiums you pre-paid for the policy term. This refund is calculated from the date of cancellation until the end of the policy term.
- You pre-paid $600 for a 6-month policy term
- You choose to cancel after 2 months
- Allstate will refund $400, the unused 4 months
The refund will typically be sent within 5 to 7 business days after Allstate processes the cancellation.
Impact to Your Insurance Status After Canceling
It’s crucial to avoid any gap in insurance coverage when canceling your Allstate policy, which could lead to fines or a license suspension.
To prevent lapsing, make sure you don’t cancel your Allstate policy until your new insurance is already in effect. Even a single day uninsured can lead to serious consequences.
Ideally, you should schedule a 1 to 2 week overlap where both policies are active. This ensures you have no gap in coverage while transitioning between insurers.
Also be sure to receive written confirmation of cancellation from Allstate and have proof your new insurance is in force. Maintaining continuous coverage keeps your insurance record intact when switching providers.
Alternatives to Cancelling Your Allstate Policy
Instead of completely canceling your Allstate insurance, you may want to consider alternatives like:
Let the policy lapse – If you sell your car or stop driving, you can simply not renew at the end of your term. This allows coverage to expire naturally rather than actively canceling.
Lower your coverage – Reduce your liability limits or drop types like collision or comprehensive to lower your premiums.
Suspend the policy – Some states allow you to temporarily suspend a policy if storing your car or traveling long-term.
Change the vehicle – Have Allstate update your policy to insure a new car rather than outright canceling.
This avoids having to cancel and find brand new coverage. Discuss options with your Allstate agent to decide the best approach in your situation.
Canceling your Allstate insurance policy is straightforward:
Contact Allstate by phone, mail, or in person
Provide your policy number, cancellation date, and new insurance details
Pay any remaining premiums for the current term
Look for written confirmation of the cancellation within a week
Ensure new coverage starts before the cancellation date
Letting Allstate know you need to cancel is quick and easy. Just be sure to line up replacement insurance first so you avoid a gap in coverage. Maintaining continuous insurance is key when making a switch.
How To Cancel Auto Policy With Allstate
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