Hey everyone, This is a follow-up to my earlier post about trying to cancel my Wawanesa auto insurance (I’m the guy paying $750/month for a commercial plan meant for Uber Eats, which I barely do anymore). My regular broker had gone silent for a while, but I finally got in touch. Here’s the update:- My broker confirmed I can cancel the policy early. However, he says I’ll have to pay two months' worth of premium upfront as a penalty — that’s around $1,500. The new policy I’m eyeing (with TD Bank) is non-commercial and about $450/month, but they also require 2 months paid upfront to start coverage — that’s another $900. So basically, to switch policies, I’d need to cough up $2,400–$2,500 upfront, just to get out of this $750/month cycle. Now I’m stuck asking myself: Is it even worth switching, or should I just suck it up and keep paying monthly till my current policy ends in November? Will I even save enough in the long run to justify the upfront hit? Has anyone else dealt with a similar situation — switching from commercial to personal auto insurance mid-term? Any creative options or negotiation tips I could try with either Wawanesa or TD? I’m still trying to be financially smart here — just don’t want to end up spending more just to spend less later. Appreciate all your input!