Jessica Sautter is a Content Writer for CarInsuranceCompanies.com with a Bachelor’s Degree from Eastern Michigan University in Elementary Education with a Major in Reading and a Minor in Mathematics.

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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

UPDATED: Sep 23, 2020

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Key takeaways...

  • It is critical to pay your car insurance premium before the due date
  • If you miss your premium payment for some time, the insurance company can cancel your cover without further notice
  • You can contact your car insurance company if you are not able to make your premium payments on time and see if they can extend your due date
  • Some insurance companies can be flexible in terms of pushing back your payment date. However, you are not allowed to skip a month without pay

Insurance companies have never been known for flexibility, but it’s more of a perception than a reality. The truth is that many insurance providers in the market offer various product options that suit your diverse needs.

These variations may include changes in the coverage offered, billing terms, the premium charged, customer service points, etc.

Whenever you are faced with challenges that affect your payment abilities, consider adjusting your deductible and evaluate if there are some less important coverage you can drop while still meeting the state requirements for auto insurance.

Comparison shopping can also save you money. Use our free tool today to get started.

Why You Should Never Miss Premium Payments

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You should strive to settle your auto insurance premium payments on time to avoid being cut off from your cover and left without the mandatory insurance cover in your state.

Additionally, you could be stranded if your insurance is canceled and you suffer an accident that requires you to make a claim.

It is important to inform your insurance company in advance if you anticipate having problems making your payments on time. Discuss with them and see if they can give you some breathing space by adjusting your due date.

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How to Change the Due Date on Auto Insurance

There are different processes of changing insurance due dates, for insurance firms that allow it. Do your shopping and ask in advance if your insurance company allows for such flexibilities.

One way of changing the due date is by making a telephone call to the insurer and having your billing terms changed. Some companies will request a tangible application for change of due date in the form of an email request or physical letter.

There is a whole host of auto insurers out there that can offer flexible products with friendly customer service. You should avoid insurers that still offer old-school rigid products.

You should know that the power to adjust the due date for your policy lies with you and you can do so when necessary.

However, this ability should not be an excuse to consistently miss timely payments as that would attract some penalties like denial of insurance policy renewal, etc.

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The Requirement for Making Car Insurance Payments

When you purchase a car insurance policy, you will be required to make a full premium payment for either six months or one year. If you are not able to pay everything upfront, you can opt for monthly payments for your car insurance premium.

Since the insurance company only honor claims for policies duly paid, it’s your responsibility to know your due dates and make prompt payments to avoid cancellations.

Making Adjustments to Your Auto Insurance Premium

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Your monthly premium payment comes almost on the same date every month. You can choose to make online payments or send checks by mail. Some insurance companies may offer discounts for payments made through auto payments from your debit or credit card.

One of the best ways of knowing your insurance due dates is by checking your email inbox regularly. Be sure to pay earlier enough to give space for contacting your insurer in case you won’t make it on time.

Some insurance companies will not allow any changes to the payment terms after some cutoff point or date.

Your policy payment record determines a lot on how the insurance company will respond to your request for due date adjustment. Be sure to pay monthly premiums on time to build your payment records and get immediate changes whenever you make that call.

If you signed for your insurance policy through a brokerage firm or agent, you can call them to make the request on your behalf.

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The Importance of Good Customer Service

When choosing a good insurance firm for your motor vehicle, look at their customer service reputation. You want to be sure they will likely accommodate your requests for monthly installment due date for some rational reasons.

That’s why price alone should not determine the insurance company you choose, but the flexibility for billing terms adjustments as well.

Talk to your auto insurance company or agent on the variables that come with paying a higher deductible and the much it can save you in relation to your car insurance premiums.

Changing Your Premium

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You are supposed to pay for your monthly auto insurance premiums before due date without which the insurance company can cancel your premium cover.

Some insurance companies may notify you that they will not renew your car insurance cover upon expiry due to consistent failure to meet deadlines.

Sample various insurance product options for auto insurance and see if you can save some money by comparing different insurance companies. All you need is to enter your zip code to get a free comparison.