If you are moving to a new state and leaving your car behind, you can cancel your car insurance by following these steps:
Transfer or Sell the Vehicle: Before canceling insurance, decide whether you will sell your vehicle, transfer ownership to someone else, or leave it with someone who may use it. This decision impacts your insurance needs.
Notify Your Insurance Company: Contact your insurance provider to inform them of your move and your plan to leave the vehicle behind. Ask them about the process for canceling your policy and any potential penalties or conditions.
Provide Necessary Documentation: Be prepared to show proof of vehicle sale, transfer, or storage. If you’re selling or transferring ownership, a bill of sale or transfer paperwork may be required.
Return License Plates: Depending on your current state’s requirements, you may need to return your vehicle’s license plates to the Department of Motor Vehicles (DMV) before you can cancel your insurance.
Cancel Registration: If your vehicle will no longer be registered in your current state, ensure you cancel its registration with the DMV. This step often aligns with returning your license plates.
Consider Storage Insurance: If your vehicle will be stored and not in use, you might consider purchasing storage or comprehensive-only insurance, which usually costs less than full coverage and protects against theft, vandalism, or weather damage while the car is parked.
Get Written Confirmation: Once your insurance is canceled, ask for written confirmation of the cancellation. This document will serve as proof in case of any issues that arise afterward.
By handling these steps correctly, you’ll avoid paying unnecessary insurance premiums for a vehicle you no longer drive or own, while ensuring compliance with any state legal requirements.
