Whether you’re selling a vehicle, trading it in, or simply taking it off the road, there may come a time when you need to remove a car from your auto insurance policy. Here’s what you need to know to do it smoothly and without disrupting your coverage.

📝 Step-by-Step: How to Remove a Vehicle from Your Policy

1. Contact Your Insurance Provider

Start by reaching out to your agent or insurance company directly. Most insurers allow changes over the phone, through their mobile app, or online portal.

📞 Tip: If you’re insured through United Coverage, call us or log into your client portal for fast service.

2. Provide Details About the Vehicle

You’ll typically need to confirm the following:

• Vehicle make, model, and year

• VIN (Vehicle Identification Number)

• Reason for removal (e.g., sold, totaled, traded in)

This helps ensure your policy updates are accurate and compliant with state regulations.

3. Submit Required Documentation (if needed)

In some cases, your insurer may request:

• Proof of sale or transfer

• A notarized cancellation letter (rare, but possible)

• Confirmation that plates have been returned (in certain states)

4. Verify Policy Adjustments

Once the car is removed, your premium may decrease — but be sure to:

• Request a revised declarations page

• Review your updated premium breakdown

• Ask if you’re eligible for additional discounts (e.g., multi-car or low-mileage adjustments)

⚠️ Important Considerations

• Don’t cancel too early. If the vehicle is still registered or financed, you may be required to keep it insured by law or by the lender.

• If you’re replacing the vehicle, ask your agent to perform a “vehicle swap” instead of removing and adding separately — this can maintain continuity and avoid coverage gaps.

• Removing your only car? You may still need non-owner insurance if you drive occasionally or rent vehicles.

💬 Need Help? United Coverage Can Make It Easy.

Our agents are here to help you update your policy, explore discounts, and make sure your coverage still meets your needs. Whether you’re removing a car or adding a new one, we make it seamless.

📞 Call us today or request changes online — fast, simple, and always accurate.