How do I renew my car insurance policy?

Learn how to renew your car insurance policy. Renewing your auto insurance is easy if you have automatic renewal, but you could be missing out on discounted rates if you automatically renew your car insurance policy. Before you renew your auto insurance policy, comparison shop with us to find better rates with local companies. Enter your ZIP code below to get started.

Compare Cheap Car Insurance Quotes

 Secured with SHA-256 Encryption

Tonya Sisler has a Bachelor’s Degree from the University of South Carolina in Journalism and has worked for 15+ years in management. She has also completed a proofreading certification and is currently a professional writer.

Full Bio →

Written by

Brad Larson has been in the insurance industry for more than a dozen years. He started out as a claims adjuster for a national carrier. He has since switched to the agency side of the business. Brad is licensed in all P&C lines.

Full Bio →

Reviewed by Brad Larsen
Licensed Auto Insurance Agent

UPDATED: Oct 29, 2020

Advertiser Disclosure

It’s all about you. We want to help you make the right cheap car insurance 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 company and cannot guarantee quotes from any single company.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare cheap car insurance 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.

Here's what you should know...

  • The typical term for an auto insurance policy is either six months or one year
  • It is possible that you are enrolled in an automatic renewal process for your auto insurance policy
  • It might be possible to renew your auto insurance policy online through your auto insurance company
  • You do not necessarily have to wait for the end of your auto insurance policy term in order to switch to another auto insurance company

If you think you are nearing the end of your policy term and are wondering how to renew your auto insurance, the answer may be as easy as doing nothing.

You might have an automatic renewal on your policy. If you have any questions about your auto insurance policy, you can call your auto insurance agent directly to make sure that you do not have a lapse in coverage.

Looking for new auto insurance? Review and compare multiple quotes by entering your zip code above!

The Term of Your Auto Insurance Policy

AdobeStock_79347833-1600x1600

If you are wondering when your auto insurance policy ends, you can always check on your proof of auto insurance card. It will have the effective dates of your auto insurance policy listed right on it. If you cannot find your auto insurance card, you can always call your agent.

Your state department of insurance may have a record of your auto insurance policy if you cannot remember which company you purchase auto insurance through.

If you are not enrolled in an automatic renewal program, at the end of your auto insurance policy term you will no longer have coverage. You will need to speak with your auto insurance agent about renewing for another policy term.

Compare quotes from the top car insurance companies and save

 Secured with SHA-256 Encryption

What If the Auto Insurance Company Refuses to Renew Your Coverage

AdobeStock_57215929-1600x1600

It is possible that the auto insurance company could refuse to renew your auto insurance policy. If they make this decision, they are required under state law to provide you notice so that you are able to make arrangements for a new auto insurance company. You will want to act quickly to secure adequate auto insurance coverage so that you are not caught driving without the required auto insurance coverage in your state.

One of the major reasons that an auto insurance company could choose to not renew an auto insurance policy is for non-payment of your auto insurance premiums.

If you are consistently paying late for your auto insurance premiums or have failed to pay at all, then you should expect your auto insurance coverage to either be canceled early or not renewed at the end of your policy’s term.

It is important to make sure that you make all of your auto insurance premium payments on time because this could help you to avoid paying higher rates for auto insurance. When you go to apply for another auto insurance policy or shop around between different auto insurance companies for a good rate, you will be asked about your status of auto insurance coverage.

If you are not currently covered with auto insurance, this could mean that you will pay a higher premium.

Another major reason why an auto insurance could choose not to renew an auto insurance policy is that there were claims filed during the term or serious traffic offenses.

If this is true for you, you may need to find auto insurance through a company that specializes in insuring high-risk drivers. These companies are different in each state, so your state department of insurance is a good resource for a list to start with.

What Happens When You Switch Auto Insurance Companies

AdobeStock_53578392-1600x1600

You do not actually have to wait until the end of your current policy term in order to switch to a new auto insurance company. If you find that you could get a much lower rate through another auto insurance company, you should switch your policy over whenever it is most convenient for you.

This does not mean that you lose the unused portion of your auto insurance premium that you have with your current company. Rather, they will return the remaining portion of your auto insurance premium to you, with the exception of a small administrative fee.

The most important thing you need to pay attention to during the process of switching auto insurance companies is that you do not have a period of lapse in coverage. Driving without auto insurance has serious consequences including license suspension.

If you are switching to a new auto insurance company and end up canceling your existing auto insurance policy too soon, you could face serious penalties under state law for being caught driving without the necessary auto insurance coverage.

To avoid this from happening, you just need to make sure that your new coverage starts as soon as your current coverage ends.

Wrap Up on Renewing Your Auto Insurance Policy

AdobeStock_40672072-1600x1600

If your auto insurance policy does not have an automatic renewal, then you can make a quick phone call to your current auto insurance agent to let them know that you wish to renew your coverage.

Find the best auto insurance rates near you by entering your zip below!

Compare Cheap Car Insurance Quotes

Compare quotes from the top car insurance companies and save

 Secured with SHA-256 Encryption