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Car insurance should not overlap and there is not a good reason why it ever should. You can not collect on two claims for the same incident.
So, for example, if your new auto insurance policy is effective on the first day of the month, your previous policy should be cancelled effective the same day. Naturally, you should be certain you are officially approved and you have reviewed the new coverage before terminating any other coverage.
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Certainly, but you do not want this situation as most policies contain a 'other insurance' clause in them and this could create problems you do not need in the event of a loss/claim occurring in the 'overlap' period. Follow the cancellation procedures outlined in the policy you desire to cancel and have no gap between the cancelled policy and the replacement policy. DO NOT RELY ON A NEW BROKER OR AGENT TO CANCEL YOUR EXISTING POLICY WITHOUT GETTING DOCUMENTATION IN WRITING THEY ARE SENDING APPROPRIATE CANCELLATION DOCUMENTS AND EVIDENCE TO YOUR CURRENT CARRIER. Remember, the contract is between you and your current carrier and only you (the named insured) can request cancellation of your policy. Also be aware that 'auto pay' or 'EFT' payment modes on an existing policy may not be terminated immediately and your account may be 'swept' for a premium due within the next 21 to 30 days. Make sure your auto pay or EFT plan is terminated asap (and get evidence) when your policy is cancelled.
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So, for example, if your new auto insurance policy is effective on the first day of the month, your previous policy should be cancelled effective the same day. Naturally, you should be certain you are officially approved and you have reviewed the new coverage before terminating any other coverage.