How to Cancel Your Allstate Insurance Policy

Allstate is one of the largest insurance providers in the United States offering a wide range of policies including auto home, renters, life, and more. If you need to cancel your Allstate insurance for any reason, it’s an easy process as long as you follow the proper steps. Here’s a comprehensive guide on how to cancel your Allstate insurance policy.

Overview of Canceling an Allstate Policy

To cancel your Allstate insurance coverage, you’ll need to:

• Contact Allstate directly to initiate cancellation
• Provide your policy details like account number and cancellation date
• Receive written confirmation once the cancellation is processed

Allstate does not allow policyholders to cancel online You must call customer service or contact your local agent to cancel

The cancellation will take effect either immediately or on a future date you specify. As long as you directly notify Allstate the cancellation process is quick and straightforward.

Below we’ll explore how to cancel step-by-step along with key information about Allstate cancellation fees, refunds, and impacts to your insurance status.

Step 1: Gather Your Policy Information

Before contacting Allstate, make sure you have the following information handy:

• Your full name and contact details (phone number, address, email)
• Your Allstate policy number
• Account number or customer ID, if different than policy number
• The date you want coverage to end (cancellation date)

Also have details ready for your new insurance policy if you’re switching providers, including the new company name, policy number, and start date.

Having all this information available makes canceling fast and easy.

Step 2: Notify Allstate to Cancel

With your policy details ready, you can now contact Allstate to cancel. You have two options:

Call Customer Service

• Call 1-800-726-6033 to reach an Allstate customer service representative
• Explain you want to cancel your policy and provide the details gathered in Step 1
• The rep can process the cancellation request over the phone

Contact Your Local Agent

• Call your agent directly or visit the agency in-person
• Notify the agent you need to cancel your policy and provide necessary details
• The agent may have you fill out a cancellation request form

Either way, the process only takes a few minutes. Calling customer service is often quicker, but you can choose either option.

Step 3: Provide New Insurance Information

If you’re canceling Allstate because you’re switching insurance providers, have details on your new policy ready:

• New insurance company name
• Your policy number with the new insurer
• The date your new coverage starts

This ensures there is no lapse or gap in coverage when transitioning between insurance companies. Allstate may request proof of your new insurance, so keep your new policy documents or ID card handy.

Step 4: Pay Any Remaining Premiums

If you haven’t already paid your Allstate premium in full for the current policy term, you’ll need to pay any outstanding balance when you cancel.

For example, if you prepaid for 6 months but are canceling after 2 months, you must still pay the premiums owed for the 2 months of coverage received. Allstate will only refund unused premiums already paid.

Step 5: Receive Confirmation

Within 5-7 business days after canceling, Allstate will mail you written confirmation that your policy has been terminated. This notification will include details on any refund amount you’re owed for unused premiums.

Once you receive written confirmation, your Allstate policy is officially canceled and coverage has ended.

Allstate Cancellation Fees and Refunds

The good news is Allstate does not charge any cancellation fees or penalties for terminating an insurance policy early.

However, they will only refund the pro-rated unused portion of premiums you pre-paid for the policy term. This refund is calculated from the cancellation date until the end of the original policy period.

For example:

• You paid $600 upfront for a 6-month policy
• You choose to cancel after 2 months
• Allstate will refund $400, the unused 4 months

The cancellation refund is typically sent within 5-7 business days.

Impact to Your Insurance Status

It’s important to avoid any gap in insurance coverage when canceling your Allstate policy. Even a single day uninsured could lead to fines, license/registration suspension, or other penalties depending on your state’s laws.

To prevent lapsing, ensure your new insurance policy is already in effect before your Allstate cancellation date. You may want to schedule a brief 1-2 week overlap where both policies are active as you transition between providers.

Maintaining continuous auto insurance is crucial when switching companies or policies. Make sure to get proof your new coverage is in force before terminating the old policy.

Alternatives to Cancelling Your Allstate Policy

Instead of completely canceling your Allstate insurance, consider these options:

• Let the policy lapse at renewal rather than actively canceling
• Lower your limits or remove optional coverages like collision to reduce premiums
• Temporarily suspend the policy if you don’t need temporary coverage, where allowed by state
• Switch the policy to a different vehicle rather than outright canceling

Your agent can explain alternatives that may better meet your needs and avoid cancelation altogether.

The Bottom Line

Canceling your Allstate insurance policy is simple:

• Contact Allstate by phone or through your agent
• Provide policy number, cancellation date, and new insurance information
• Pay any remaining premiums owed for current term
• Look for cancellation confirmation within 5-7 business days
• Ensure new coverage is effective before old policy ends

Following these steps helps make the process quick and straightforward. Just be sure to secure replacement coverage first to prevent any insurance gaps. Maintaining continuous auto insurance is crucial when switching providers.