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: Nov 6, 2020

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Key takeaways...

  • It is important to keep your car insurance current
  • Check on the status of your insurance to make sure it stays current
  • Check around to see if you can get a better deal and put your insurance payment on auto draft to avoid cancellation

Insurance is important, and it’s important to keep your car insurance current.

If you fail to pay your bill on time or let your insurance lapse at any time, you will not be covered for the time that you were on the policy. Just one day of not having insurance could cost you hundreds or thousands of dollar in out-of-pocket expenses.

So it is important to keep up with your policy and know if it is current. You should do this with all types of insurance for your safety and well-being.

Compare car insurance options by entering your zip code above. You might be surprised by how much money you could save!

Make Sure Your Policy Is in Force

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In today’s technology age, most car insurance companies offer online access to your account. You can create a username and password when you obtain your policy through the company’s online website and access your account anytime.

Here, you should be able to do the following:

  • view your policy details
  • make changes to your policy
  • check on the status of your policy at any time

If you look at the details of your online account, you should be able to find the date that the insurance term covers including starting and ending dates. The ending date is the period that is listed last when you see the term dates.

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How to Make Sure You Stay Current

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If you are worried about keeping your policy current, just log into your online account or call your insurance representative at any time to check on it.

They will have access to this information, and they can tell you if your policy is current and what you should do to make it current. If you fall behind on your premium payments, you can simply pay the balance that is due to catch up.

There may be a late fee if you’ve let it fall behind, but try to get it up-to-date as soon as possible to avoid further penalties.

One way to know that your policy is always current is to connect your insurance plan with an automatic bank draft.

Some companies even offer special discounts for setting up a monthly payment plan through a bank draft because you agree to release the funds for your premium at around the same time each month and they can count on your payment arriving promptly.

Autopay saves you time also in mailing in checks since it is automatic and you don’t have to remember to pay your insurance bill.

The only way that you could fail to pay under this arrangement is if your bank goes into overdraft status. So you should keep careful track of your expenses to make sure this does not happen.

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How to Safely Switch Insurance Companies

One thing you need to remember is to make sure you have your new policy in force before taking the auto-draft function off of your account.

If your new policy is not yet finalized or you have not yet made the first premium payment, it is possible you could fail to be covered when you are transitioning.

Contact your insurance company and ask the exact date that your new policy will be in force if you do not see this information on your application.

Don’t take the risk of being without insurance during the gap period between when your old policy ends and your new one begins.

Be wary of any insurance representative who tries to get you to drop your old insurance before your new policy is issued or any salesperson who tries to influence you to act too quickly on switching plans.

A Word about Safe Replacement of Policies

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Replacing your insurance is a serious matter and one that should be thought through carefully before deciding. Be sure to shop and compare several companies yourself before dropping or replacing any policy. Always make sure you have your new policy before dropping an old one.

Twisting laws prohibit insurance agents or representatives from trying to unduly influence someone to get on another policy by unfair comparisons or by getting them to drop their old policy too soon.

This law started as an application for life insurance, but it applies to any insurance, including car insurance.

These strict laws are in place to protect you, the consumer, from overeager insurance representatives who want to make a sale for a certain company so badly that they do not always do what is in the customer’s best interest.

We developed this website so that you can take your time and compare several policies for yourself and decide which ones that you would like to learn more about. Then you can contact the ones that interest you for a free quote and purchase the policy you want.

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All about Deductibles

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You also need to consider how much of a deductible you will have. If your deductible is $1000 but the damage you sustained in a car accident is $1500, you will have to pay out $1000 of your money before your insurance will pay anything.

Think carefully about deductibles when you are trying to decide on the best insurance.

Remember that insurance is not all about the money. It is just as important to find the best insurance that covers your risk of loss as it is to save money each month on premiums.

If you are not happy with your current auto insurance, check around on our site and compare rates and features to see if you can find a better deal. You’ll never know until you try, so start by shopping our site to find out.

Ask for a free quote and try out several companies before making your final decision. Use our site to browse and to find out more. It will be worth the time when you see the money you can save with the best insurance.

Insurance is that umbrella you need but hope you never have to use. Take some time to find the best one.