Deleting or removing a car from your car insurance is as simple as signing a piece of paper that authorizes us to remove the vehicle from your policy and emailing or faxing it to us. Unfortunately, just a phone call isn't good enough. We need proof on file that you did, in fact, request that the car be deleted.

There are lots of reasons why we need the signature. Let's say you sold the car, got it back, and forgot to update the policy. Or, the most common problem is that you didn't sell the car, it was broken down, or you weren't using it for a period of time. Let's say you fixed it, or for some reason, you needed to use it in a hurry. We want to avoid any misunderstanding, and for your protection and ours, we require documentation of your decision to remove the car from your policy.

Keep in mind that if you wish to delete a car from your policy, you anticipate that the premium payment change will not take effect until the next billing cycle. What this means is that if a bill is already outstanding for this car, which is still on the policy, you'll likely still owe the full premium until they give you credit for removing the vehicle. That's right. If you call today to remove a car and your bill is due, don't expect to pay a reduced amount just because you are deleting a vehicle. The computer system used by most insurance companies requires time to update the system and adjust the bill for the next billing cycle.

Please call us at 503-489-3143 if you have any questions about how making changes to your policy will affect your premium, and what the requirements are for adding and deleting cars from your policy.