1. 30 POINTS
    Johsua Quinn
    Agency Owner, Joshua Quinn Farmers Insurance Agency, Pennsylvania
    This may depend on your state, here in PA you can switch at anytime during your policy. Also your current company must refund you any unerned premium that you have paid them. So if you have paid six months upfront and you cancel after the first month they have to refund you the remaining five months. Depending on the company you may have to pay a early cancelation fee, however this is rather uncommon.
    Answered on May 8, 2013
  2. 0 POINTS
    Paul Pukis
    Owner, Mosaic Insurance Alliance LLC, 2122 164th St SW Ste 301, Lynnwood WA 98087
    Absolutely.  There are two parties when it comes to an insurance policy.  You, the policy holder or insured, and the insurance company.  By law, if you are paying your premiums the insurance company must keep your policy active (there are a few other pieces to this but unnecessary for your question).  You, on the other hand, can change or cancel your policy at any time.  Make sure you consider a few key items.



    Will my coverage change by making this move?  Check some of the "bells and whistles" that you may lose or gain.
    Will you lose discounts on other policies you have?
    Make sure your lien holder (the bank) is notified of the change.
    Work with a licensed professional to help make the transition as smooth as possible.

    People change insurance companies all the time.  Make sure it's a good move for you.  After you've done that, you can make a move at any time!
    Answered on December 8, 2013
  3. 14231 POINTS
    Tom Sheehan
    Agency Owner, The Thomas G Sheehan Agency, 27 Glen Road Sandy Hook, CT 06482
    Yes of course.  It probably is not the best idea to change if your current carrier is handling a claim for you, but short of that, you are free to switch.  I would check with your Insurance Professional to make sure that if you do, you change mid term, your current carrier will cancel the policy flat, that is will not impose a preterm cancellation surcharge.
    Answered on May 23, 2014
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