How to Remove a Car From Insurance Policy

How to remove a car from your insurance policy depends on your car insurance company. Most providers allow drivers to make policy changes online. Others will require a phone call to remove a car from your auto insurance policy. Realize that removing a vehicle from your car insurance policy may void out multi-car or multi-policy discounts. Shop for cheap coverage online with our free quote calculator below.

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Tonya Sisler has a Bachelor’s Degree from the University of South Carolina in Journalism and has worked for 15+ years in management. She has also completed a proofreading certification and is currently a professional writer.

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Brad Larson has been in the insurance industry for more than a dozen years. He started out as a claims adjuster for a national carrier. He has since switched to the agency side of the business. Brad is licensed in all P&C lines.

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Reviewed by Brad Larsen
Licensed Auto Insurance Agent

UPDATED: Oct 26, 2020

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Things to know...

  • A simple call to your insurance company is typically all that is required to remove a vehicle from your existing auto policy
  • Removing a vehicle from your auto insurance policy may eliminate some of your money-saving discounts
  • Drivers should shop for new auto insurance rates any time they make a change to their coverage

Whether you have recently sold a vehicle, you are getting divorced, or your teen driver is getting his or her own auto insurance policy, you may need to remove a vehicle from your existing coverage without terminating your entire policy.

While this sounds seemingly complicated and time-consuming, it can typically be completed within a very short period of time with minimal effort. However, this action may indicate the need to shop around for a better rate available through another auto insurance provider.

Compare rates today with our free insurance tool above! Just enter your zip and start comparing rates today!

What It Takes to Remove a Vehicle From Your Policy


Nobody wants to pay their hard-earned money for auto insurance that is no longer needed on vehicle, and you may be eager to cancel coverage of a vehicle from your existing coverage.

Most providers will allow insured parties to remove a vehicle from the policy with a simple phone call.

In fact, this phone call may take a few minutes or less to complete, and you can usually enjoy immediate savings on your premium as a result. If you prepaid your premium, you may even get a refund.

Avoid Being Uninsured

Remove that there are expenses and potential legal issues associated with not keeping your vehicles properly insured at all times. Ensure that the paperwork on the sale or trade-in of your vehicle has gone through before canceling coverage.

If a former spouse or child is getting their own coverage on a vehicle, ensure that this person has coverage in place before you cancel your policy. This will help you to avoid potential issues with having an uninsured vehicle, such as liability expenses or legal fines.

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Why You May Need to Shop for Better Auto Insurance Rates


Many car insurance companies offer drivers a discount on auto coverage for insuring multiple vehicles, drivers, or both. When you remove a vehicle, a driver, or both from your policy, you may no longer be eligible for this discount that has been saving you money for many months or year.

Despite the fact that you may be saving money overall by removing a vehicle from your coverage, you may find that you can qualify for better rates through another insurance company.

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How Insuring Multiple Vehicles Saves You Money

You may be wondering why many auto insurance companies offer a discount when you insure multiple vehicles or drivers under the same policy. The answer lies in administrative fees.

The administrative fee for servicing a policy with one driver or multiple drivers is usually very similar, and many car insurance companies extend the savings that they enjoy through multiple vehicles or drivers policy to the drivers.

How to Request Car Insurance Rate Quotes


Any time you make a change to the drivers or vehicles on your policy, you should request a few new quotes from leading providers to ensure that you are getting the best deal possible on your coverage. In fact, it is wise to request new quotes periodically even if you do not make changes to the policy in order to find the lowest rates available.

Selecting a Few Providers

The first step to take when you want to compare auto insurance rates is to choose the providers that you want to reach out to. Use the Internet to search for details about each company’s financial strength and ability to serve customers well through all departments.

Getting three to four quotes from different providers is a great idea, but you can request additional quotes online if time allows.

Remember that online quotes are fast and easy to get when you know what type of coverage you want to buy, and they may help you to identify a great way to save a substantial amount of money on your premium.

Adjusting Coverage Types and Limits

Making a change to your insured vehicles is a great time to review your existing coverage and to ensure that it meets your needs. Spend time learning more about your state’s auto insurance requirements as well as the insurance requirements your auto lender has.

Then, determine if you need to expand your coverage types or limits for added protection.

While you do not want to pay for more auto insurance than you would benefit from, you also do not want to be underinsured.

All expenses that are not covered by your existing insurance policy will be your responsibility to pay out of your own personal funds. This can be expensive, and it can be avoided by simply purchasing an adequate amount of coverage.

Taking Advantage of Car Insurance Discounts

Getting car insurance quotes online today can help you to identify potential savings available to you through various car insurance discounts.

Even if you did not qualify for discounts through some providers in the past, you may now qualify for discounts because of changes the providers made or because of changes in your own profile.

A few of the common discounts that car insurance providers offer include:

  • A claims-free driving record or a good driver discount
  • A discount for safety or security features
  • A low mileage or infrequent driver discount
  • A military or veteran discount
  • A good student discount

Why You Need to Keep Your Coverage Up-to-Date

Car insurance can be expensive, and you may be ready to remove a vehicle from your policy to save money as soon as possible. Keeping your coverage updated at all times can help you to get the financial protection you need while reducing the expenses as much as possible.

Even if you are not quite ready to remove the vehicle from your policy today, you can get started shopping for new rates through different providers to identify potential savings on your coverage.

Don’t miss out on our free quote tool below! Just enter your zip code and start comparing rates now!

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