How to permanently disable auto-renewal so you never get surprised by an unexpected renewal charge again. This guide applies specifically to SiriusXM ($10.99-$23.99/mo) subscribers in Joliet, Illinois. Illinois's Automatic Contract Renewal Act protects you.
Illinois's Automatic Contract Renewal Act (815 ILCS 601) gives Joliet residents specific protections when dealing with SiriusXM:
Penalties: Renewal is void if notice requirements not met
Applied to SiriusXM (Phone only) for Joliet residents
Log into your account settings
Go to the service's website (not app, unless it's an app-store subscription). Navigate to Settings → Billing → Subscription or Plan.
Look for 'Auto-Renewal' or 'Recurring Billing' toggle
Most services have an explicit auto-renewal toggle. Turn it off. You will typically keep access until your current paid period ends, then it won't renew.
Get written confirmation
After toggling, screenshot the settings page and save any confirmation email. If they charge you after disabling auto-renewal, you have documented proof.
For app-store subscriptions, disable in the store
iPhone: Settings → [Your Name] → Subscriptions → [App] → Turn off Renew. Google Play: Manage subscriptions → Cancel. The app itself cannot see these settings.
Set a final billing date reminder
Note when your current period ends. After that date, verify no charge appears. If you see a charge after disabling auto-renewal, that is an unauthorized charge.
Method: Phone only · Difficulty: nightmare
SiriusXM-specific tips
Prorated refund for remaining subscription period.
Under 815 ILCS 601, Joliet residents may be entitled to a full refund if SiriusXM didn't properly disclose auto-renewal terms.
SubScrub auto-cites 815 ILCS 601 for Joliet residents