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hi in todays coverage of Crowley were gonna answer the one question that everybody always has do I have to wait to my renewal to cancel my insurance policy well it depends if its a personal insurance renewal personal auto homeowners you do not have to wait until the renewal to cancel your old insurance policies if you happen to find something that is equal or better for you your old insurance policy will be cancelled on a pro-rated basis hi guys my name is Mike Crowley and I am the owner here at Crowley insurance agency as an independent agent we have this come up all the time as as new clients and consumers come to us to find better insurance options for them and their family one of their worries is that they have to wait until their next to renewal most insurance policies run on annual basis so they want to make sure they dont lose any of the money theyve already paid towards their old insurance policies luckily in most circumstances all of that money will be refunded basis yo