*Billing statements for billing accounts and policies on a billing account can be viewed for the past 90 days. Billing statements for policies not on a billing account can be viewed for the past 13 months.
Mail or fax a policy cancellation letter to your current insurance company, using the following or similar language. Be sure to list every policy type and policy number you want to cancel, such as your auto, homeowners, motorcycle, boat and/or RV insurance. Also be sure your insurance does not lapse during the switch.
Date: <today's date>
To whom it may concern,
I am requesting that you cancel my <policy type> insurance policy (<policy number>) with your company, effective <effective date>. Please stop any automatic payments and promptly refund the unused portion of my premium directly to me at:
<your first and last name>
<city, state ZIP Code>
Additionally, do not contact me by phone, email or mail about continuing this insurance policy or purchasing a new policy.
As with most insurers, we use a credit-based insurance score to predict insurance losses. Studies show that considering credit creates a more accurate insurance rate. By predicting potential losses better, we can provide a more appropriate rate.
Our experience has been that about half of our existing members receive a rate decrease based on their credit score.
We have an extraordinary life circumstance process that applies to all states. You may qualify for reconsideration of your premium if your credit information has been directly influenced by one of the following events:
Catastrophic event, as declared by the federal or a state government
Divorce/dissolution of marriage
Death of a spouse, child or parent
Serious illness or injury, or serious illness or injury to an immediate family member
Temporary loss of employment for a period of three months or more, if such loss is due to involuntary unemployment
Military deployment overseas
Total or other loss that makes a home uninhabitable
For more information, talk to your agent or call 1-888-891-0271. We may ask you to provide documentation of the event and an explanation of how that event affected your credit.