Can you change the date your car insurance is due?

It's important to make sure you can pay your car insurance on time. If you know you're going to be late, you may be able to get your insurance company to change the due date. Read on to learn more about postponing or changing insurance payment dates.

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UPDATED: Jun 13, 2022

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Written By: Laura BerryReviewed By: Joel OhmanUPDATED: Jun 13, 2022Fact Checked

Here's what you need to know

  • It is always best to make on-time payments on your car insurance to reduce the risk of fines and penalties
  • If you know there will be a problem making the payment, call the insurance company as soon as possible to see if they can change the date your car insurance is due
  • If you act soon enough, you may be able to change the automatic payment date set up on your account

Sometimes it’s not easy to make payments on your auto insurance on time, which may mean running the risk of cancellation of your policy. If you know you’re not going to be able to make your payment, you may be able to take action sooner. Including, for example, if you need GEICO to postpone automatic payment. Don’t simply miss your payment. Instead, take a few steps to find out if other options exist.

How to Change the Date Your Car Insurance is Due to Avoid Late Payment

If you need to postpone a GEICO payment or the payment for another insurance company, contact them directly to inquire if this is possible. The sooner you do this in the month, the more likely they will be able to help you. Do not just let your policy expire or payment be late. The insurance company may not automatically accept a late payment. 

When you contact customer service, explain your circumstances and request. They will most likely ask you when you will be able to make payment, so have this information ready before contacting them. They may or may not oblige as this really depends on the company’s policies and your relationship with the insurer. No matter the outcome, it’s always best to contact them directly.

Many insurers offer online chat features, toll-free phone numbers, and in-office access to an insurance agent. These methods can assist you in making changes to your due date when possible.

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Why Making a Late Car Insurance Payment Is Not a Good Idea

There are many consequences you can face after a late car insurance payment. Read through your policy information. Some companies provide very specific insight into what can occur, including how your policy may no longer provide protection should you be in an accident after the policy is canceled. You will notice language that provides the insurance company the right to cancel your coverage should you miss a payment. This is why communication with your insurance company is key. 

Know When You Are Required to Make Car Insurance Payments

Insurance policies are generally for a set term. The term is the length of time the policy remains in effect. You may be able to alter the term start date, such as requesting that your insurance company change the policy start date. However, there should never be any lapse in your coverage, as that can impact your eligibility for coverage.

Many insurers request that you make payment in full at the start of the term. If you do not want to do that, you may be able to pay car insurance monthly. Some insurance companies charge an additional small fee for making monthly payments.

In all situations, pay your bill on time. Not doing so puts your policy at risk of cancellation. Read through your policy details to know when your insurer can cancel the policy. It’s a contract you agree to follow when accepting the coverage.

Can you change the date your car insurance is due online?

If your insurance company offers mobile or online services, postpone payment features may be available on the website or in the app. Some will allow you to change the payment date by a few days. You may need to do this well in advance of the due date, though. For example, if you need GEICO to change the policy start date, call them before the payment is due to ask about it. GEICO may postpone payment then. This may include adjusting automatic payments. Not all insurers will allow you to schedule payments after the due date online.

What can you do if the cost of auto insurance is too high?

If you’re struggling to make payments each month, reach out to your insurer to ask if they can help you lower your premium costs. You may be able to raise your car insurance deductible to a higher amount (as long as you can afford to make that payment out-of-pocket), and that could help reduce your premium.

It may also be helpful to shop around for new car insurance. Some insurers charge significantly less than others.

What You Need to Know About Postponing Car Insurance Payments

It’s not always possible to get an insurer to change your car insurance due date. It is so important to learn about the insurer’s customer service before deciding to use them. If you cannot make payment on time, contact your insurance company to make arrangements. 

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

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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Written by Laura Berry
Former Insurance Agent Laura Berry

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

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