So I purchased a brand new vehicle in 2012. Our loan term was 6 years but we paid it off 1 year early. When I contacted the dealer he said I would get a refund but it wouldn't be a full refund because it will be prorated since I paid the car off early.So the insurance was $629 for a 6 year term. Paid it off with 12 months remaining on the term. What should I be getting back refund wise?Thank you

Talk to the Insurance company. They will tell you whether prorated or short-term cancellation rate.