So to be clear - you received a multi-policy discount, and you canceled one of the policies which triggered the discount, and now you are not sure whether you owe the difference between what you paid with the discount and what you would owe without the discount?
If so, the answer seems pretty obvious.
Well, yes ... I thought that is what I said in my message. At any rate, you paraphrased well.
I'm a little surprised the answer is so obvious. Aren't there lots of things that can change during the term of the policy? I don't think there are many of them that give them the right to change the rate. I think they can't do that even if you have a terrible accident. (Although they can certainly change the rate when you try to renew). I'm sure there are situations where they can just cancel the policy. Non-payment is certainly going to be one of them, although that didn't apply to me. Illegal activity ... probably. Although cancelling my auto insurance certainly isn't legal.
If someone sells me a computer at a discount because I'm a republican, and then 9 months later I switch loyalties, can he come back and demand that I pay him the difference? I suppose he could if I signed a contract saying I would. Perhaps I did this with the insurance contract, although unfortunately I no longer have a copy. Do they really have a clause in the contract that I have to keep the auto insurance for the full term?
BTW, it wasn't like I got the auto insurance just to get the discount, and then canceled it. (I doubt that would ever be an advantage financially anyway). They pretty much forced my hand on that by quoting me a rate that was double what I could get elsewhere when I tried to add my son to the auto policy.
~Paul
