Gather Your Current Policy Details
Locate your Geico declaration page, recent billing statements, and any endorsements that affect coverage. Note the policy number, effective dates, vehicle identification numbers (VINs), and the specific limits you hold. Having these details handy prevents gaps when you start the new Farmers policy.
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Compare Coverage and Discounts
Before you cancel, request a quote from Farmers that matches or exceeds your existing limits. Ask about discounts for multi‑car, safe driving, or bundling with home insurance, as these can offset any premium differences. Confirm that liability, collision, comprehensive, and any optional coverages (like roadside assistance) are included.
Initiate the Transfer with Farmers
Complete Farmers' application online or via phone, providing the information you collected from Geico. When you accept the quote, ask the agent to set the new policy's start date for the day after your Geico policy expires. This avoids any lapse in coverage, which could affect your driving record and legal obligations.
Cancel Your Geico Policy Properly
Contact Geico's cancellation department—usually reachable through the member portal or customer service line—and give written notice of termination. Request a confirmation of cancellation and a refund for any prepaid premium that extends beyond the termination date. Keep the confirmation email for your records.
Confirm the Switch
After the Farmers policy is active, review the declaration page to ensure all vehicles, drivers, and discounts are correctly listed. Verify the policy number and effective date match what you arranged. If anything is off, call your Farmers agent immediately to correct it.
Key Points to Remember
- Never let the old policy lapse before the new one starts.
- Document every communication—quotes, confirmations, and cancellation notices.
- Check that any existing claims or accident history transfer correctly to the new insurer.
- Update your registration and any financing companies with the new insurer's information.