Automobile insurance is vital to maintain the safety of the travelers and the vehicle in case of accidents. All insurance policies are not complete, and the needs of customers change over time. If you want AAA home insurance cancellation, you can do it whenever you need it.
Customers often leave the American Automobile Association (AAA) due to high premium costs or dissatisfaction with the policy. Whatever your reason, we have prepared a guide with all the steps you should follow to cancel your AAA auto insurance.
How do I cancel my existing insurance?
Canceling and changing car insurance can be a hassle, especially because some companies put obstacles in the way or improve their offers to keep customers from leaving. However, those who decide to terminate do so because these policies do not meet the customer’s needs.
The American Automobile Association has a very easy process to terminate the service with the company. You can complete the process in person or over the phone. Some customers ask how to cancel AAA Insurance online, but unfortunately, the company does not have an online alternative to complete the process. However, customer service operators are available 24 hours a day to talk over the phone or at local offices during business hours.
Although the customer can terminate the contract at anytime, the company will charge policyholders a cancellation fee of 10% of their remaining premium. Therefore, it is recommended to identify which ones apply to you. In these cases, canceling the insurance near the end of your term is advisable.
Cancel AAA Insurance policy
Although the company does not make public its cancellation fees, clients in certain states claim that they have paid 10% of the remaining balance on the policy. Therefore, we recommend that you cancel the policy when it expires. Keep in mind that this fee is regional, and in some states, it is waived.
The positive point is that you will continue to enjoy towing coverage and other benefits included in the AAA membership. If you want to cancel your policy, you have these two options:
- By phone: Call customer service at 877-387-8378. This call center is active 24 hours a day, and you will be attended by an agent who will guide you through the process. Be sure to enter your zip code and have all driver and policy-related documents at hand: driver’s license, insurance papers, and more
- In-person: Visit the AAA location nearest you and inform the customer service agent of your intentions to cancel the policy. Remember to bring the necessary documentation to complete the process
Can I cancel my insurance policy and get a refund?
If you wish to cancel your policy and get any unused premium back, you are eligible for a refund from AAA. In this context, the state where you are insured and your cancellation policies play a big role. It is important to consider that you must change your policy immediately if you wish to continue driving. In most of the country, it is an infraction to drive without car insurance.
Find another car insurance
You will need a new policy to continue driving in the United States. That is, if you are thinking of terminating your contract with the American Automobile Association, you need to have a second option for a new insurer to take over the insurance.
If you still don’t know how to do it, here are the steps you need to complete to cancel your AAA insurance and find a new one.
Step One: Identify an end date
We recommend canceling your AAA insurance policy as close as possible to the contract end date or renewal date. The closer it is, the easier it will be to get it over with. If you do not know your renewal date, you can view this information online or by calling 877-387-8378.
In addition to speeding up the termination process, having the date can help you contract a new policy before AAA ends. If your policy expires and you have not taken out a new approach, you will be driving without insurance coverage and could be at risk in case of an accident or committing a crime if a police officer stops you.
Step Two: Shop around for other insurance
Life insurance is a coverage worth having. Therefore, we recommend you ask for rates from different insurers to compare quotes and coverage plans. This way, you can make a more informed choice.
Step Three: Get insured with a new policy
Before canceling your insurance with American Automobile Association, enroll in a company with a plan to avoid a coverage gap. Remember that when dealing with a new insurer, you must provide personal and financial information. Most of them will pull your credit points from banks to determine their premium under consideration:
- Desired effective date
- Date of birth
- Vehicle Identification Number (VIN)
- Payment number
- Credit card number
Step Four: Cancel the AAA Policy
After you have completed these three previous steps, it is time to cancel your AAA auto insurance. Remember that customer service agents will offer you cheaper packages to change your decision to leave. In this case, you can listen to some alternatives or remember why you want to cancel.
Step Five: Follow-up on the refund
Suppose you paid all premiums upfront to receive a discount or be debt-free for a while. If this is the case, you are eligible for a refund. The money is not sent immediately, so you should wait a few days, but if weeks have passed and you have not received the money, contact the customer service center to ask for information about your process.