Liberty Mutual doesn't allow the cancellation of policies online, so there won't be an option to cancel your coverage through your online account. Other insurers allow online cancellation. There are many reasons why you should understand Liberty Mutual's cancellation policy, such as selling your car or finding cheaper coverage with another company. You should switch your car insurance to another company when you can find a cheaper rate for the same amount of coverage without sacrificing aspects such as customer service.
If you have already paid the premium for the policy period in full, Liberty Mutual will reimburse you for the unused portion, less cancellation fees. This information may be different from what you see when you visit the website of an insurance provider, insurance agency, or insurance company. When researching insurance companies, reviewing customer ratings will give you a good idea of the range of fees that Liberty Mutual charges its policyholders for early termination. It's usually easiest to change your car insurance company at the time your policy is renewed, but if you choose to switch in the middle of the policy, your current insurer will normally reimburse you for unused premiums, less cancellation fees.
Another way to cancel your policy is to send a letter to your local insurance agent or directly to the Liberty Mutual corporate office. Before you finalize your current auto insurance policy, you should make sure you have new coverage. It's also worth checking the prices every time there is a change in circumstances that could affect your rate, such as insuring a new car or adding a new driver. For example, you should have Liberty Mutual update your mailing address or vehicle information if you are moving or buying a new car.
Liberty Mutual may also charge a reduced fee that normally amounts to 10% of the value of the policy. If you want to cancel your car insurance with Liberty Mutual, contact customer service by phone and let them know that you want to cancel your coverage. Insurers generally charge lower premiums to homeowners, and you can also get a discount for multiple policies if you insure your home and car with the same company.