Not sure how much you're owed on your Smart AutoCare contract?
We find every refundable product on your deal and submit the cancellation for you — free.
Can you cancel Smart AutoCare?
Yes. Smart AutoCare contracts are cancellable, and what you get back depends on timing: a prorated refund for the unused portion, with a full refund possible during your contract's free-look window. The unused premium is money you're owed — it doesn't belong to the dealer or administrator.
Contact information
Phone (customer service): 800-242-7316
Email: info@smartautocare.com
Mailing address:
Smart AutoCare
P.O. Box 852770
Richardson, TX 75085
Step-by-step: how to cancel
Step 1 — Gather your documents. You'll want your contract/agreement, the vehicle VIN, your account or loan number, and proof of any triggering event (payoff letter, refinance confirmation, trade-in paperwork, or total-loss settlement).
Step 2 — Start with the selling dealer. Smart AutoCare contracts are normally cancelled through the dealership's finance department. Tell them you want to cancel and ask them to submit the request to the administrator. Get the request and date in writing.
Step 3 — Go direct if the dealer stalls. If the dealer drags their feet, contact Smart AutoCare directly at 800-242-7316. Dealers earn commission on these products and sometimes delay cancellations.
Final step — Track the refund. Processing time varies. If financed, the refund may be applied to your lienholder.Follow up if it doesn't arrive on schedule.
How much will you get back?
Check your contract's free-look window for full-refund eligibility (see your contract's free-look terms). After that, your refund is prorated by unused term, less deductions for services received.
As a rule of thumb, the prorated math is: (months remaining ÷ total term) × price paid − fees. If financed, the refund may be applied to your lienholder.
Estimate your exact figure first
Use the free refund calculator — no paperwork needed.
Provider-specific tips
- Your selling dealer needs a copy of the service contract, a signed cancellation letter or form, and an affidavit of the true mileage on the request date. The form can be sent to Smart AutoCare by mail, fax (201-961-6801), or email.
- Mail cancellations to Smart AutoCare, P.O. Box 852770, Richardson, TX 75085; customer service is 800-242-7316.
What reduces your refund
- Claims already paid. If a covered repair was approved, that amount is typically subtracted from your refund.
- Refund method.Pro-rata is consumer-friendly; confirm your contract isn't calculated by the "Rule of 78s," which front-loads cost.
Common questions
How do I cancel a Smart AutoCare contract?
Through your selling dealer with a contract copy, signed request, and mileage affidavit, sent to Smart AutoCare by mail, fax, or email (info@smartautocare.com).
Where do I mail a Smart AutoCare cancellation?
Smart AutoCare, P.O. Box 852770, Richardson, TX 75085.
We'll handle the cancellation for you
We identify your Smart AutoCare contract, submit the paperwork, and follow up until the refund is issued.
Sources: Smart AutoCare contact