How to Cancel American Family Insurance
Learn how to cancel American Family insurance and what you need to do before your policy ends. You can cancel by phone or through the mail, but make sure you have a new policy in place first.
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UPDATED: Jul 8, 2022
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- Cancel your American Family insurance by phone or mail
- You could receive a prorated refund if you paid your policy in full
- Get new coverage before your American Family policy ends
Though American Family Insurance is one of the country’s top companies, you may need to cancel your policy. For example, you might cancel coverage if you sold your vehicle, moved, or found lower rates with another insurer.
Fortunately, American Family makes it easy to cancel your auto insurance, even if you’re in the middle of your policy. The company doesn’t charge a cancellation fee, and you should get a policy refund if you prepaid for coverage.
Cancel an American Family Insurance policy through your agent or customer service. However, you can’t cancel online and must speak with someone to cancel.
In addition, ensure you have new coverage before your American Family policy ends to avoid a costly coverage lapse.
Keep reading to learn how to cancel American Family insurance and what you need to consider before switching insurance companies.
How do you cancel your American Family insurance policy?
American Family Insurance has been providing coverage for almost 100 years, and it’s one of the top insurance companies in the country, with some of the lowest rates around.
However, if American Family isn’t right for you, switching car insurance companies is easy.
American Family recommends you speak with your agent to cancel your policy. If you don’t know your agent, you can call customer service at 1-833-381-1155. You may have to submit a cancellation request form.
You can also mail in your cancellation request at American Family’s mailing address:
American Family Insurance
6000 American Parkway
Madison, Wisconsin 53783
In the cancellation letter, include your name, address, date of birth, driver’s license, policy number, and cancellation date.
There isn’t a way to cancel your American Family auto insurance policy online. Instead, you have to speak with someone to cancel.
American Family Insurance doesn’t list a cancellation fee on its website, but check before you cancel to be sure. Also, fees may change depending on your state.
Additionally, you should get a refund if you paid for your policy in advance. However, any refund will be prorated based on your policy start date. For example, if you paid for six months and cancel your policy two months in, you’ll receive a refund for the unused four months.
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What steps do you need to take to cancel your American Family policy?
While canceling American Family insurance is relatively easy, following a process makes switching insurers painless.
Steps to cancel American Family insurance include:
- Find out when your policy ends. It may be easier to switch auto insurance companies when you’re up for renewal.
- Shop for new coverage. Compare rates and discounts from multiple companies to determine which offers you the best deal.
- Get your new policy in place. Ensure your new policy begins before your American Family policy ends.
- Cancel your American Family policy. Find out if you’re due for a refund and submit your cancellation request.
Remember, when comparing your American Family car insurance quotes with multiple auto insurance quotes from other insurance companies, compare the same coverage and consider discounts.
Each auto insurance company offers different rates and discounts, so it’s essential to compare the same coverages to find your best deal.
If you still want to cancel, have new coverage in place to avoid a coverage lapse. According to the Insurance Information Institute, a car insurance lapse can lead to fines, a driver’s license suspension, and an impounded vehicle.
An auto insurance lapse also means higher rates when you get coverage again because you’re considered a risky driver.
What should I consider before canceling American Family auto insurance?
There are many things to consider when you’re looking for auto insurance. First, you need a reliable company that offers the coverage you need at the best price. So, when you shop for auto insurance, compare American Family with other top companies.
Consider why you’re switching auto insurance companies before you cancel coverage. Depending on your situation, you may not need to look for a new company.
If you’ve sold your vehicle, bought a new car, or moved, you may be able to adjust your current policy. For example, you can add or remove a vehicle from your policy without canceling. In addition, American Family provides coverage in 19 states, so you don’t necessarily have to cancel your policy if you move.
If you want new coverage because your American Family auto insurance rates are too high, you may be able to lower your rates. Customer service may offer other ways to lower rates if you consider canceling your policy.
Consider lowering coverage amounts and raising your deductibles to see lower insurance rates. You can also cancel extra coverages, such as roadside assistance and rental car coverage, to save money.
American Family also offers multiple discounts you can bundle to decrease your insurance rates. Savings include loyalty, defensive driver, good student, and multi-vehicle discounts.
If you’re unhappy with your coverage, speak with American Family to see if alternative options are available.
How to Cancel American Family Insurance: The Bottom Line
American Family makes it easy to cancel your coverage anytime for any reason. It doesn’t charge a cancellation fee, and you may get a refund if you paid in advance for your policy.
However, you can’t cancel online. Instead, you must speak with your agent or customer service to cancel your policy. You may also have to send in a cancellation form.
Now that you know how to cancel American Family insurance, think carefully about whether it’s your best option. You may be able to keep your policy even if you sold a car, bought a new vehicle, or moved.
If you’re canceling because your rates are too high, you could change your policy to keep the coverage you love. Lower coverages, raise deductibles, and add discounts to reduce your rates as much as possible.
If you choose to cancel American Family auto insurance, ensure you have new coverage before your policy ends to avoid a costly lapse.