Yes, you can switch car insurance at any time. It’s usually easiest to switch car insurance companies at the time of your policy renewal, but if you do choose to switch mid-policy, your current insurer will typically refund you for any unused premiums minus any cancellation fees.
When switching insurers, it’s important to avoid any gaps in coverage. In other words, you should make sure that your new policy starts before you cancel your old one.
Generally, no, you don't have to wait for the end of your policy to switch. And generally, yes, you will get a pro-rated refund of any remaining amount that has been paid, but is still considered "unearned" by the insurer.
Call your agent and ask, or call an agent at the company you want to switch to and they should be able to give you a definitive answer.
Most auto and homeowner's insurance companies will refund the "unearned premium", which is basically the proportional amount of your payment to the time left in your term. Your best bet is to call and ask!
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