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What happens if I stop paying for car insurance?
I'm currently with National General for my car insurance but I'm not pleased with their customer service or business practices. What happens if I stop paying my insurance premium?
Eric Schad · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“I’m sorry you’re not satisfied with your insurance—but generally speaking, deciding to stop paying your car insurance isn’t a great idea. If you stop paying your
car insurance
premiums, your policy will lapse and the car insurance company may cancel your policy. If they cancel your policy, you are no longer driving legally.Even if you have a dispute with the car insurance company, withholding pay doesn’t hurt the insurer; it hurts you. Once your policy lapses, you’re no longer driving legally. And after the policy lapses or is canceled, getting new insurance is far more expensive than if you simply switched your policy to a new provider.
The best plan is to find a new policy from a different provider, then cancel your old policy. Most insurers don’t charge cancellation fees and you may even recoup a prorated portion of the unused premium. If you decide to pursue this avenue, make sure to shop
car insurance quotes online
to get the best rate from a top insurer.Instead of stopping your payments with National General, a good way to make sure that you’re getting coverage you do need is to use the
Jerry
app. We’ll get you quotes from over 50 car insurance providers, so you can find the coverage you need with a company you like.Best of luck switching providers!”
View full answer
- Gregory R.
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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
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