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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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products, including home, life, auto, and commercial, and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, mainly in the insuranc...

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Reviewed by Leslie Kasperowicz
Farmers Insurance CSR 4 Years

UPDATED: Oct 18, 2021

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Important facts to know...

  • When binding a new car insurance policy, you will be asked when you would like for it to start
  • There may be an insurance grace period for nonpayment of the premium
  • Many insurers are flexible enough to let you change your due date

One of the most important parts of being a responsible motorist is making sure that you maintain continuous insurance coverage on your car. Doing so provides important financial protection for you in the event that an accident occurs.

However, while you may be quite fastidious about keeping your insurance up to date, there may come a time when you need to change the due date. Use this information to learn more about the process involved with getting a new due date for your car insurance policy.

You could save money on your car insurance premium. Compare quotes today by entering your zip code above.

You Set the Tone

From the moment you bind a vehicle insurance policy, understand that you set the tone.

The insurance company that you have decided to get a policy with will allow you to decide when the policy should begin. Whichever date you choose, that is when the first payment is due.

As an example, you may purchase a policy that you need to start one week from today. The reason why it shouldn’t start immediately is because you already have a policy in place and you want the new coverage to begin once the current policy has expired.

Instead of paying for the policy today, you opt to allow the insurer to automatically withdraw the payment from your checking account the same day the policy is set to start.

However, during the week, you forget that you will be having an automatic withdrawal from the insurance company, and decide to make another purchase instead.

Since the money was not there, the policy never officially started. At this point, you are an uninsured motorist, a title that could carry some stiff penalties.

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Is there a grace period offered by the insurance company?

In contrast to the aforementioned scenario, you may indeed have the money in place on the stated day that your policy begins. However, the following month, an unexpected financial emergency occurs and you need to pull from your resources to take care of it.

As a result, you’re a bit shy of having the complete policy premium and won’t have the full amount for another couple of days. As your due date comes and goes, you may feel anxious and worried because you don’t want to be caught driving without insurance coverage.

In cases like this, it’s best to reach out to your insurer. They may have a grace period in place that gives you some time to pay before the policy is canceled.

Is it possible for a driver to change their due date?

If you find yourself running into difficulty each month when it’s time to pay your auto insurance policy premium, it just may be a good idea to change the due date before you run into any dire financial consequences.

This could be because you have switched jobs and now have a different pay date, or because you have other financial responsibilities that conflict with your ability to maintain your current pay schedule.

Whatever the reason may be, you can rest easy.

A number of insurance companies let policyholders change their due date without incurring any expenses or risking a lapse in coverage.

Keep in mind that it’s always a good practice to find out what the policy is for switching due dates before actually binding a policy. This can help you avoid a sticky situation later on. Also, even if you can’t pay, you need to take care to avoid a coverage lapse. These can harm your ability to purchase cheap car insurance because they can lead to you being flagged as a high-risk driver. If you end up in a situation where you can’t afford to pay your bill, you can always call and make arrangements with customer service.

To help avoid this situation even further in the future, you can get in touch with you insurance agent and learn about any discounts you may be eligible for that will help you reduce your auto insurance rate. It’s very important that you don’t go any period of time without coverage; this is because you must meet the insurance requirements of the law and because you and your vehicle need to be protected in case of an accident.

What do you need to know about changing the date you pay your insurance premiums?

Regardless of what you may have previously believed about the insurance process, you are given quite a bit of power in determining when your payment is due.

If you ever need to change your due date, do not hesitate to contact your insurance company by phone or via the Internet, so you can learn more about the options that are available to you and help you make any  changes to the coverage on your vehicle.

Compare car insurance companies in your area today to make sure you’re not overpaying for the coverage you need. Enter your zip code below to get started.