When Can I Change Car Insurance? 
Most companies will allow you to cancel insurance at any time without penalty . Some charge what is known as a short rate cancellation that might reduce the amount of any unused premium . I assume that you are cancelling the policy because you no longer own the car . If you still own the car I recommend that you purchase comprehensive insurance if the car is less than 10 years old and will not be driven . That will pay for damages that occur to a non-operational vehicle like a tree falling on the car , or windstorm damage . 