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: Sep 26, 2020

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Key takeaways...

  • Check your insurance policy to see when your current policy expires to determine renewal timing
  • A renewal period gives you a window of time to renew your current policy before it expires
  • Doing price comparisons during the renewal policy can help you get value from the insurer you chose

Car insurance is something that you always want to keep up with and be aware of. As a consumer, it is important to know the following:

  • what you have for a car insurance policy
  • when it was effective
  • when it is going to expire

The is going to allow you to retain your car insurance, keep it in force, shop around when you feel like you are not getting the bets deal, and just stay on top of it from front to back. This is especially the case in terms of knowing when your car insurance is due for renewal.

The renewal time for a car insurance policy is a window that you always want to be aware of.

This is the time when your current car insurance insurer is going to begin to send you a quote for what it is going to cost you in order to renew your policy and keep it rolling forward.

You may want to stick with the current insurer that you have, or you may want to shop around to see if you can get a better deal in terms of coverage, premium, and customer service. It all starts with awareness of your renewal period.

Shop around now by comparing quotes from top insurers side-by-side!

Check Your Insurance Policy Paperwork


The first and easiest way to figure out when your car insurance policy is due for renewal is to check the paperwork of the policy. If you have a paper copy of your car insurance policy, take a look at the declarations page of the policy.

On here what you are going to see is the policy effective period. This is going to have a beginning and an end date.

The policy effective period is when the policy coverage actually goes into effect. Say the policy effective period read 1/1/16 to 12/31/16.

This would mean that the policy would be in force as of 1/1/16 and would expire on 12/31/16. The 12/31/16 date is when you are no longer going to have insurance unless you renew the policy prior to that date or on that date.

You can also check the following:

  • Website of your insurer
  • Their smartphone app

Both of these locations, once you log into your account, should be able to give you that policy effective and policy expiration date that you need.

Once you navigate to their site or onto their smartphone app, check your account overview page or the electronic version of your car insurance policy to find this information.

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Know the Renewal Period

There is going to be a renewal period for your car insurance policy that you need to be aware of. This is the time period where your current policy has yet to expire, but you want to renew it going forward.

Typically the renewal period for an insurer is going to be roughly 60 days prior to the policy expiration date. This is when they may reach out to you with a renewal quote, or you will be able to give them a call to get the quote on your own.

The reason that they do not allow you to renew sooner is because the next policy has to be reflective of your loss history on your current policy and your driving history.

If you had an accident during the policy effective period, for example, your next renewal may have a higher premium to represent your increased policy risk.

A car insurance policy has to be renewed in order for the policy coverage to remain in effect. This is a fact that you always want to be aware of when you are a customer of an insurer.

Having this level of awareness will allow you to renew your policy time and will also give you the chance to shop around and do price comparisons to see what other insurers are offering in the market.

Compare now by entering you zip code below!


  1. https://www.consumerreports.org/car-insurance/car-insurance-rates-are-going-up/
  2. http://money.usnews.com/money/personal-finance/articles/2013/09/18/do-you-have-the-right-car-insurance
  3. https://www.libertymutual.com/liberty-mutual-mobile/mobile-app
  4. https://www.esurance.com/info/customer-service/how-to-renew-your-car-insurance-policy
  5. http://money.usnews.com/money/blogs/my-money/2010/11/01/how-to-get-car-insurancedespite-your-history