How do I cancel my insurance policy?

Cancellation in Georgia is a written request to the carrier with a specific cancellation date. Most carriers require either a signed cancellation form or written notice (email is usually fine) at least 14 days before the cancellation date. Two ways carriers handle the refund: pro rata cancellation (you get back the unused portion of your premium, calculated day-by-day, with no penalty), and short rate cancellation (you get back less than the unused portion as a penalty for early cancellation). Most carriers in Georgia use pro rata for customer-initiated cancellations on personal lines, so canceling 4 months into a 12-month policy typically returns about 8 months of premium. Three important timing notes: never cancel before the new policy is in force (avoid a lapse), if a mortgage company is involved you have to notify them too, and if you are still under a loan or lease, you cannot drop collision or comprehensive on auto without the lender's permission. Loop us in before you cancel so we can coordinate the new policy effective date and avoid gaps.