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How do I remove a lienholder from my car insurance?
I just paid off the loan for my car, which I'm really psyched about! Now that I don't owe anything, I want to remove the lienholder from my policy. I've never done this before, though—how do I do it?
Eric Schad · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“Congrats on paying off your loan! To remove your lender as the lienholder on your vehicle, you only need to call your
car insurance
company with proof of the loan payoff. The lender will usually send you the title or a lien release, which you can use as proof of the payment.Once you’ve contacted your insurance company, the next step is deciding whether to continue full coverage or consider something else. If your annual car insurance payment is more than 10% of the actual cash value of the car, you may want to consider switching to high-limit
liability coverage
to save some cash. However, you can continue to hold full coverage if you feel more comfortable or aren’t worried about a higher monthly premium.Either way, you should shop around to make sure you get the best deal on your coverage. The easiest way to do this is with the
Jerry
app—we’ll get you dozens of quotes from top-of-the-line providers so that all you have to do is pick the plan that works best for you! And once you’ve picked one, we’ll even help you switch.Congrats again!”
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- Gregory R.
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