Pro-tip on the call in to haggle a better rate. If they start stonewalling you, just mouth off a "Fine, well please cancel my policy" and hangup. Per procedures, they have to get all this cancellation paperwork filled out, so they need some additional information, but they aren't legally allowed to keep charging you after you said that. So they have to call back, at which you speak to a retainment specialist and not a jerk-off GA call center guy. They'll cut you a better deal and you can be on your way.