Can I Overlap My Car Insurance? 
It used to be a fairly common practice to `` overlap '' policies when coverage was replaced so as to avoid any gap in coverage . These days , however , that practice has become unnecessary with the advances in technology used by most insureres and thier agents . In most cases , agents have direct binding authority granted to them by the companies they represent which means that once the application is signed , the initial premium paid and the new business is released , your new coverage has been bound . If it is replacing coverage provided by a former carrier , your new insurance professional can also prepare a formal cancellation request form for your signature and forward that to your previous company for their handling . 