Can you change the date your car insurance is due?

You may be able to change the date your car insurance is due by contacting your car insurance agent. Failure to pay could mean that you're not covered.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP® Joel Ohman

UPDATED: Sep 15, 2020

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Here's what you need to know...

  • It is extremely important to make sure that you pay your car insurance premium when it is due
  • If you miss a premium payment and a certain amount of time passes, your car insurance company has the right to cancel your coverage on the spot
  • If you are having some difficulties making your car insurance payments on time, contact your auto insurance agent right away to see if you can have your due date moved

You should try to never miss a payment for your car insurance because you could have your coverage cut off and be left without the required car insurance in your state.

In addition, you could be really stuck if you have your policy canceled and need to make a claim after you have missed a payment.

To get some breathing room if you are having trouble making your required car insurance payments, you can call your car insurance agent to see if your payment date can be moved.

See if you could save money by comparing car insurance companies and their rates. Enter your ZIP code in our free tool above.

The Requirement to Make Your Car Insurance Payments

Your insurance company can cancel your coverage if you fail to pay for your policy. If you do not pay for your policy premium upfront at the beginning of the term, then you will probably have monthly payments to make for your premium.

Most insurance companies sell coverage in either six months or a one-year period.

The period of your insurance policy is called a term.

Although you will be required to put some amount down when you first apply for a car insurance policy, almost every company will allow you to make installment payments towards your premium.

They know that policyholders will follow up with making payments because their auto insurance can be canceled if they fail to make the payments, so the car insurance company would be off the hook for covering any liability for accidents or claims after that cutoff point.

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Can you postpone your car insurance?

Your monthly payment will always be due on the same date. You will probably have the option to either pay online or with a check in the mail for your premium.

You might even get a small discount from having to pay an administrative fee if you permit the auto insurance company to take an automatic payment each month from your credit or debit card account.

If you sign up for online payments, then you can probably check your email inbox for past statements to get the day of the month when your insurance payment is due.

For some companies, there may be a cutoff point each month after which you cannot make changes to your payment terms.

That is why it makes a difference to contact your insurance agent as soon as possible to tell him or her that you need to make an adjustment in your car insurance premium payment schedule.

The fastest way to make a change to your auto insurance policy is to call your insurance agent directly. They will be able to access all of the billing records for your file and make a change accordingly.

If you do not have the number of your own insurance agent, then try calling the main number for the auto insurance company to be transferred to your insurance agent directly.

The Importance of Customer Service

Customer service is extremely important in choosing a car insurance company. When you call around for different prices on auto insurance policies, take into account the customer service reputation of each company.

You want to be sure that the company is likely to accommodate your reasonable requests, such as changing the payment deadline for your monthly premium payment.

This is why simply choosing the company that offers you the lowest price is not always the best choice for you.

If you need to lower the price you pay for auto insurance so that you can pay your premiums on time, then consider increasing the price of your deductible.

This is a simple way to reduce the amount you pay for supplemental car insurance coverages.

Talk to your auto insurance agent about how you can choose to pay a higher deductible and how much this would save you for the price of your car insurance premium.

Wrap Up on How to Change the Date Your Car Insurance is Due

You are required to pay for your auto insurance premium so that your coverage is not canceled early by your auto insurance company.

Also, if you have a history of not paying your premiums on time, the insurance company could notify you that your coverage is not going to be renewed for another term.

Compare car insurance and save today by entering your ZIP code below.

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