The simplest way to cancel a policy is to contact them directly by phone. You’ll need to simply explain that you’d like to cancel the policy, which they will gladly accommodate. There are several valid reasons for them to pursue a couple of answers . What you, the consumer, may think is “cancelling auto insurance” may be NOT what you are wanting or needing to be done. Example.. when you sell one vehicle & still have remaining vehicle(s) on your policy… in that instance you need to have a vehicle cancelled from your policy… not “the auto policy cancelled.” Actually, in the industry – I am taking from your choice of wording (through no fault of your own!) your request is asking that you are terminating your policy, not “cancelling” it. Companies cancel coverages, vehicles, delete drivers or operators, but the semantics can become very important.
They will not cross examine you.. they simply will want to assure themselves that they are honoring your request n the fashion which best accomplishes the end you seek … which may be a lot different from the words you choose to say.
Another example – You may be re-locating to a different State & simply need it “transferred” to you new address (another curve ball – your new address if it is changing to get your refund to you!).
OR, are you going to get a new car which will not arrive for another “few weeks.” even a month! IN that circumstance, most times you are far, FAR better off to allow your coverage to remain in force (..even for months!) than you are to cancel your coverage & then attempt to “reinstate” it in a month or two… after 6o days that usually is NEVER an available option..Reinstatement..! You must then re-apply for a new policy & meet all the new administrative requirements which can be very cumbersome & complex for you to accomplish. AND most times you lose your affiliation history which is of high importance in this day & age of auto insurance. And which usually provides you with lower rates.. thru longevity discounts or loyalty discounts!
Are you now divorced & your ex was covered under this policy? Does your ex have a vehicle in their name & is it currently covered on the policy you are cancelling? Do they know you are cancelling the policy?
Cancelling your auto insurance policy WILL have consequences. USAA will simply want to be certain you & others who may also be listed on this policy will not encounter UNINTENDED Consequences.
BY the Way,.. All of the above actually occurred during my career. .. each of the above examples I have put forth as possible reasons a customer wanted to “cancel their insurance” – some with rather dismissive tone & demeanor were real examples. . Some in a brief note/letter mailed to me or my office. And how they are addressing the goal they wished, that which they really wanted to achieve with their auto insurance was NOT what would have been the result And there were mseveraleven more that I did not put forth above, but which would have been consequences never intended by my customer. Many times over my career I was called into the situation after the damage had already been done. In some instances I was unable to “fix” the situation .. or even restore it to where it was before the customer made the errant call or sent a brief e-mail.. or signed letter into our Corporate Customer Service Center(s).
I hope all the QUORA Members make note of this Post – it may help them as they journey through their lives & interface with their auto insurance companies. Auto insurance companies do a lot of things for which they they justifiably earn criticism ! But, life is a lo simpler & easier if you do not assume they are simply stupid, invasive, unfriendly or greedy. Give them a chance to earn those labels!
So – I am curious… are you wishing to cancel your USAA auto coverage in order to begin it with another carrier, concurrently with the expiry of your policy with USAA? And effective what date? Answering those few questions might provide USAA quickly with enough information to process your request & quickly accomplish what you ask, seamlessly. Hope this helps!