Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health insuran...

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Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience.

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Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager Chris Harrigan

UPDATED: Aug 6, 2021

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Key takeaways...

  • Paying your car insurance premium is essential for keeping your coverage in place until the end of your policy term
  • Your car insurance provider is allowed to cancel your coverage if you do not pay your auto insurance premium
  • If you think that you will have a problem paying your car insurance premium on time, it is best to contact your insurance company right away to try to work out an arrangement
  • There may be a grace period after your payment deadline during which your auto insurance company must notify you that your payment has not been received
  • Before you simply stop paying for your auto insurance because you cannot afford the rate, call your car insurance company and find out if your rate can be lowered at all

Paying your auto insurance premium is one of your most important responsibilities as a driver. If you fail to do so, you risk having your auto insurance coverage dropped, which is a legal and practical headache.

If you are having trouble making premium payments on time because of your finances, ask your auto insurance company if the payment date can be moved back so that you have time to pay it.

It is important that you find a way to make it, because, without auto insurance, you face legal problems and could end up being responsible for paying for an accident out of your own finances.

Get the coverage you need at a price you can afford. Compare car insurance quotes and start saving today.

How to Find Out What Options are Available from Your Auto Insurance Provider


Every auto insurance provider has a different policy when it comes to accepting payments or how long of a grace period they offer for late payments. Find out what that grace period is for you by contacting your insurance agent or the main number for your auto insurance company.

If you cannot locate a recent billing statement, check out your proof of insurance card to get this contact information.

Your auto insurance company may be willing to push back the payment deadline for your premium. Not all auto insurance providers will have the flexibility to do this, so you need to be prepared to make your payment on time in case the answer is no.

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How to Lower Your Monthly Premium

If you are in a financial situation where paying your car insurance premium is a major challenge, then you should do everything you can to ensure that you are paying as little as possible for insurance.

Before you think about having less coverage, start with checking with your auto insurance provider to see if you are missing out on any current auto insurance discounts that could be applied to your insurance policy.

Even if you are able to get some discounts on your premium, it might still be worth your time to see if there are lower rates out there for your insurance. The way to start is by plugging your personal information into an online search form.

You will get a range of quotes based on your personal situation and location, which will allow you to see the various rates that are available in your area.

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Before you decide to go with the lowest rate that comes back, find out as much as you can about that insurance provider.

You can find out more about an insurer by doing the following:

  • Talking to friends and family
  • Checking with the department of insurance

For example, if you do not recognize the name of the car insurance company, you might want to check with the state department of insurance to make sure that they are currently doing business in your state and that you would have proper coverage if you signed up with them.

Friends and family may have more insight into what it is like to be covered by different companies, which is useful to know in the event that you have to deal with your insurer during an accident or claim.

On your end, you can do things to get your insurance rate as low as possible. The most obvious way is to constantly practice safe driving habits.

This will help you stay out of accidents, which means that you will be able to keep up a good driving record and not have a poor history of filing insurance claims. Also, make sure that you are not driving a car that is rated as risky for insurance purposes.

Before making a car purchase, it is wise to check and see what the rates would be for that vehicle so that you are not getting in over your head financially.

Along the same lines, you should also do everything you can to preserve a good credit score because this directly influences your auto insurance rate.

How to Get an Extension for Your Auto Insurance Payment


Paying your car insurance premium is just about the most important thing you can do to make sure that your car insurance coverage stays in place until the end of your policy term.

If you do not pay it, the auto insurance company is allowed to drop your coverage after a certain period of time.

Before you simply stop making auto insurance payments, call the car insurance company and find out if your payment deadline can be moved or if there is another way to lower your rate.

If you are out of options, do everything you can to make the payment on time because the consequence of losing your coverage could end up being much more expensive.

Before making any final decisions on your insurance company, it is important to learn as much as you can about your local insurance providers, and the coverages they offer. Call your local insurance agent to clear up any questions that you might have. Questions to consider asking include, “What is the best coverage plan for me/my family/my situation?” “What are the minimum coverage requirements in my state and what form of coverage do you recommend?” “Do you guys offer any bundle discounts if I take out both my auto insurance and home insurance with you?” and “What is the average rate of insurance quotes you guys offer?”

Before making any big insurance decisions, use our free tool to compare insurance quotes near you. It’s simple, just plug in your zip code and we’ll do the rest!

Compare car insurance quotes and see how much you could save today.