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Is it bad to cancel an insurance policy? Only if you do it wrong! A lapse in coverage or an incorrectly canceled policy can cost drivers hundreds of dollars. So if you want to learn how to cancel Farmers auto insurance properly, you’ve come to the right place.
Read our guide for our Farmers auto insurance review of what information you’ll need, how to contact Farmers, and more.
Whether you want to buy Farmers auto insurance or you want to search for a new auto insurance company before you cancel Farmers, use our free quote comparison tool to find the best insurer in your area.
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While Farmers auto insurance company claims to be the best company there is, not every company lives up to its promises, causing customers to leave. Maybe Farmers auto insurance rates aren’t working for you, or maybe there’s some other problem.
Even if a company is great, customers may cancel policies because they no longer drive or sold their car. If you need to cancel, don’t worry. We are going to guide you through canceling Farmers auto insurance step by step.
Before you contact Farmers to cancel your auto insurance policy, it is imperative that you have the right information ready beforehand. Otherwise, you may be stuck on hold while you scramble to find your policy number or bill of sale.
The basic information you need is your Farmers policy number, the desired end date of the policy, and the reason for cancellation.
The reason for cancellation is important, as there are three main reasons for cancellation. For each one, you will need proof.
While it may seem like none of Farmers business why you are canceling, all insurers require this information. Why?
Driving without insurance is illegal, so all insurers check to make sure drivers aren’t having lapses in insurance. Because the Insurance Information Institute (III) found that an estimated 13 percent of drivers are uninsured, insurers take lapses in insurance seriously.
If you are found to have a lapse in insurance, you will have to pay higher insurance rates on your Farmers auto insurance policies. To avoid this, make sure you have a new policy starting the day your Farmers’ policy ends to meet car insurance requirements.
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The best way to reach out to Farmers to cancel your insurance policy is to call Farmers at 1-888-327-6335. This customer service line is answered Monday through Friday from 7 am to 11 pm CST, and Saturday through Sunday from 8 am to 8 pm CST.
You may also visit your local agent and speak to them in person to cancel. However, this option will take longer than calling, as you will have to commute to visit your local agent.
Can I cancel my Farmers insurance online? You may also use your Farmers insurance login to sign into your account and message an agent online. They will guide you through the cancellation.
The last way to cancel is by mail. Sending a cancellation letter by mail is the least reliable option if you need to cancel quickly, as your letter may arrive after your specified cancellation date. Letters can be sent to Farmers insurance customer service headquarters at:
6301 Owensmouth Avenue
Woodland Hills, CA 91367
If you don’t hear a response back from Farmers if you send a letter by mail, don’t assume your policy has been canceled. Farmers needs to verify and approve the cancellation before your policy becomes inactive.
You can cancel your Farmers insurance policy at any time once you know how to cancel auto insurance. However, it might be best to wait until the end of your policy renewal if you can. Why?
If you cancel before the end of your policy renewal, Farmers may charge you a cancellation fee. If a small fee doesn’t bother you, though, then it is perfectly fine to cancel the policy mid-period.
Just make sure that if you do cancel mid-policy you are refunded for the unused policy period if you prepaid.
Farmers will send you a cancellation letter after you cancel to verify that you closed your account. This letter is an important indication that your cancellation was done properly, as a lack of a letter may mean you didn’t cancel correctly.
If you are set up for automatic payments at Farmers, it is important you check Farmers insurance payments on your account after cancellation. Mistakes happen, and you may still be billed even after you cancel your account.
If you still have questions about canceling Farmers auto insurance, we’ve got you covered. Read on to see what the most popular questions are about Farmers.
Yes. As we said earlier, you can cancel an insurance policy at any time. Just keep in mind that canceling before a policy renewal can sometimes result in fees.
Farmers is one of the top 10 companies in the U.S., but this doesn’t mean it is the best for you. Make sure to read customer reviews, review financial ratings, and get quotes before signing up with any company.
Geico and USAA tend to have the cheapest rates in the U.S. However, there is no clear cut answer to this question, as what is the cheapest company for one driver may not be the cheapest company for another driver. To show you what we mean, take a look at the table below.
|42-Year-Old Married Couple||$3,914||$1,630||$3,046||$3,876|
|42-Year-Old Married Couple (one accident)||$6,242||$3,222||$5,622||$4,566|
As you can see, even though Farmers has the second-cheapest rate for an 81-year-old, it has the second-most-expensive rate for a 42-year-old married couple.
Because there is such a difference in insurers rates based on age, driving record, and more, it is important to shop around every year or two for rate comparisons.
We hope our guide to Farmers’ insurance cancellations was helpful. If you want to find a new insurance company before cancelling Farmers, enter your ZIP code in our free tool below to compare Farmers auto insurance quotes to other companies’.
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