Can you change the date car insurance is due?
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Brad Larson
Licensed Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
Licensed Insurance Agent
UPDATED: Jan 5, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.
UPDATED: Jan 5, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Your insurer has a right to cancel your car insurance on the spot if you miss a payment for a certain duration of time
- Most insurers are flexible and will allow you to make changes to your due date
- Car insurance due dates can often be changed online or over the phone
- Before signing a contract with your insurer, be sure to confirm whether they will allow you to change the due date
Not paying your car insurance could make your coverage be cut off by your insurer, leaving you without the necessary auto insurance in your state. Also, you could get really stuck if your policy has been canceled and you want to make a claim.
Unfortunately, a lot of bills come in month-to-month and this can be a bit overwhelming. Some due dates will simply not work with us, and for this reason, we may want to adjust the due date so that it can be easier for us to manage.
It is, therefore, important to understand whether or not the insurance company you are choosing can offer something like this.
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Who dictates what you can change?
Insurance providers have the ability to control what you can alter and what you cannot when it comes to your car insurance policy. There are those insurers who will allow you to select a due date before you bind coverage.
Others will allow you to alter the due date for your premium even after the insurance has gone into effect. For instance, if you are two months into the contract and you notice that the due date does not work for you, some insurance providers will let you alter it at this point.
Some car insurance providers are, however, going to be stricter. They will literally dictate what the due date for your car insurance will be and force it on you. As a consumer, this is not a good thing as it takes all the power off your hands.
When shopping around for insurance quotes, be sure to ask as many questions as possible to know what options you have before signing that contract.
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Changing Your Due Date
Your monthly premium payment is always payable on the same date. The payment can either be made with a check or online. You can even permit the auto insurance provider to take an automated payment every month from your debit or credit card account.
Some insurance companies will give you up to a certain date to make changes to your premium payment terms, like the payment date.
This allowance is why it is important to contact your insurer as soon as possible and let him/her know that you want to make an adjustment to your car insurance premium due date.
The fastest way to do this would be to call your agent directly. Check your billing statement to get his/her telephone number and the account number of your policy. You can also call the regular toll-free number for customer care and ask to be transferred to your agent.
Tell the agent that you wish to alter the due date of your insurance premium.
You will probably need to answer a few questions to identify yourself then the agent will give you a new due date. You should be able to see your new due date on the next billing statement.
You can also make changes to your insurance payment date through your insurer’s website, or through their smartphone application.
Consider the Customer Service
It is paramount to consider customer service when choosing an auto insurance company. This is to ensure that your insurer can accommodate your reasonable requests, like changing the payment date for your monthly premium.
That is why it is not enough to simply go for the company that offers the lowest rates. Consider other factorstoo when shopping around for the most preferred insurer.
If you need to reduce the price for your auto insurance to be able to pay your premiums early, then consider increasing your deductibles. It is the simplest way to lower the amount paid for supplemental auto insurance coverages.
You should pay for your car insurance premium on time so that your policy is not canceled by the auto insurance company. Also, if you are constantly late with your premium payments, your insurer may refuse to renew it for another term.
As a consumer, it is important that you find a car insurance company that is flexible enough to allow you change the due date of your insurance premium.
If your current insurer does not offer that alternative, then it is time for you to start shopping around for another insurance provider who will give you the power to choose the date that you are comfortable with and also favorable rates that will not be too hard on your budget.
Compare quotes today and see how much you could save on car insurance.
FREE Car Insurance Comparison
Compare quotes from the top car insurance companies and save!
Secured with SHA-256 Encryption
Brad Larson
Licensed Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.