If you're cancelling after 14 days of renewal, providing you've not made a claim, we'll return any premium paid less: full coverage car insurance theft. Don’t answer the call when they ring in to cancel (maybe they won’t cancel if they can’t get through?) and the customer is gone anyway so why get too excited about serving them? elephant car insurance online chat. To get a picture of Insurance’s auto insurance rates relative to other companies, we reviewed data from our California auto insurance study and the Department of Insurance in California. Rates reflected the policy premiums of basic liability insurance for 8 different driver profiles from Insurance as well as 3 other major auto insurance companies.