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With most companies, you can cancel your policy at any time, with no penalty. However this will not stop the rate increase. If your insurance rate is said to increase upon renewal due to a insurance claim, or points on your license, the increase will still be in effect if you re-apply. The company will still run background checks and get all your history when you re-apply for a policy, so they will find these claims and violations and raise your rate accordingly. The best thing to do is to get a online insurance quote every time your insurance comes up for renewal. This will compare all companies in your area, and give you the lowest prices. You can then see what your insurance company offers you, and go with the company that offers you the best price.

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Q: To avoid a rate increase can you cancel a policy and reapply?
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