Auto policy lapse - when can I cancel coverage after renewal with same provider?

Off-Ramp
1

First time dealing with a lapse due to my own stupidity.

Auto policy lapsed - 8/19
Got email from progressive saying my policy was lapsed today with an option to renew coverage starting 8/22 (tomorrow).

Paid for progressive renewal but found out geico could insure me with a lower premium and also have the coverage start 12:01 am 8/21, thereby reducing the total number of lapsed days by one (don’t know if this really matters).

Question - can I cancel the progressive policy now? I’m wondering if canceling without renewing might hurt my chances of getting a new progressive policy in the future. Other option would be to have the policy in effect for one day to “show an active policy” in their system before leaving for another provider.

2

Just cancel it once the Geico is effective.

If they were willing to renew you now they certainly would offer coverage in the future unless something drastically changes with your driving record, lots of claims, etc.

3

Geico is effective already, hence why I was considering canceling progressive. Progressive rep did say their system wouldn’t let them write me a new policy but I could certainly renew :man_shrugging:t2:

4

Basically they are telling you , good luck and don’t let the door hit you on the way out…hehe.