Your daughter should be able to switch insurance providers if she has found the same coverage for a better rate. To make sure she does not have a gap or lapse in coverage she will want to obtain the new coverage and then cancel the old policy.
To switch she will need to get the new insurance policy started then follow the directions of her current insurance provider regarding how to cancel the policy. She may need to send or fax them a written request for cancellation.
State insurance laws can differ so you or your daughter may want to check with your state's insurance regulatory body to find out for certain what your consumer rights are in this situation.
For example, in Florida there is Florida Statute 627.7295 which states that no policy providing coverage for PIP and property damage liability (the state required auto insurance coverages) may be cancelled by the insured during the first two months of the policy term immediately following the date of issuance or renewal except:
- upon total destruction of the motor vehicle,
- upon transfer of ownership,
- upon replacement of the policy or,
- if the insured elects to cancel because of an additional premium charge as allowed in Florida Statute 627.7282.
In Florida, you may cancel your policy at any time following the first 60 days after its effective date by notifying your company in writing. If you do so, the insurance company may charge you a 10 percent penalty on your returned premium.
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