There are 3 ways to cancel your USAA auto insurance policy:
Most people cancel their policies when they've decided to switch to another insurance provider. Often times people will reassess their plans when their circumstances shift like when they remove a driver from their plan, or move to a lower-risk area. There are many factors to consider when the right policy for you.
If you plan on still owning a car, but you've cancelled your insurance, you need to obtain a new policy ASAP. Otherwise, you can be considered lapsed, which could put you at risk for fines from your state.
Being uninsured for even a day can have expensive consequences. If you plan to own a car after you cancel your policy, you will need to have purchased a new policy prior to your cancellation date.
Be proactive about lining up your cancellation date with the date your new policy comes into effect. Letting your coverage lapse could result in liability for damages caused by an at-fault accident, as well as high premiums later on. A lapse in coverage on your record will earn you a label of "high-risk driver."
If you've made the decision to leave your current policy, it is time to start shopping for a new policy. You'll want to start immediately to give yourself the time you need to consider your options.
Where to start?
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Refund eligibility can typically be determined by how far in advance you paid for your insurance. If you prepaid for a 6 month or 12 month policy, you will likely have no issue when requesting a refund. If, however, you are on a month-to-month plan, you may not be eligible for a refund.
The only way to know for sure is to contact your insurance representative and ask for assistance. They are there to help!