<prompt> Human: My policy with Progressive was ending on September 30 and rather than renew I switched to State Farm effective October 1 to insure my car for a lower price. When I called Progressive to let them know I would not be renewing, the rep on the phone said the easiest way to cancel renewing is to cancel my recurring payments so that the policy would simply not renew having received no payments. I received a letter from Progressive today saying, Unfortunately, we didnt receive your renewal payment and, as a result, your policy will end at 12:01 a.m. on October 13, 2015. My concern is that, officially, Progressive will have cancelled my payments due to my fault of not paying and this will have a negative effect on my credit score. Should I call Progressive and clarify what happened or is this standard practice?  <response>: Theyre cancelling your plan because they didnt receive a renewal payment, not because you were delinquent. You havent missed any paymentsImagine if you paid for a magazine subscription via a check. They want you to renew. They have no source from which to pull money. They dont renew. You are not delinquent on your subscription, youre simply not renewing it and the magazine is taking the appropriate steps resulting from your lack of payment. 