Can I change the date my car insurance is due?

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. (For more information, read our “How do I find out when my car insurance payment is due?“).

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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.

Read more: Can I pay car insurance quarterly?

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.

Case Studies: Changing the Due Date of Car Insurance

Case Study 1: SecureDrive Insurance

Mr. Johnson, a policyholder with SecureDrive Insurance, found it inconvenient to pay his car insurance premium on the 15th of every month. Due to his monthly budgeting preferences, he contacted SecureDrive Insurance to inquire about changing the due date. The company’s customer service representative informed him that policyholders could indeed request a change in the due date.

After submitting a formal request, SecureDrive Insurance accommodated Mr. Johnson’s request and adjusted his premium due date to the 1st of every month.

Case Study 2: Liberty Motor Insurance

Ms. Anderson, a Liberty Motor Insurance policyholder, experienced a change in her financial situation, necessitating a modification in her premium due date. Concerned about potential penalties or policy cancellations, she contacted Liberty Motor Insurance’s customer support to explore her options. The representative explained that policyholders were allowed to request a change in the due date.

After verifying her information, Liberty Motor Insurance promptly rescheduled Ms. Anderson’s premium due date to the 10th of each month, providing her the flexibility she needed.

Case Study 3: Reliable Auto Insurance

Mr. Ramirez, a policyholder with Reliable Auto Insurance, recently faced a scheduling conflict with his premium due date. He called Reliable Auto Insurance’s customer service to inquire about changing the due date to better align with his paycheck schedule. The customer service agent confirmed that policyholders had the option to request a change in the premium due date.

After providing the necessary details, Reliable Auto Insurance updated Mr. Ramirez’s payment due date from the 20th to the 5th of each month, accommodating his request effectively.

Case Study 4: SwiftCover Car Insurance

Mrs. Roberts, a SwiftCover Car Insurance policyholder, had initially set her premium due date on the 1st of each month. However, after experiencing financial difficulties, she decided to explore the possibility of changing her due date to the 15th. Mrs. Roberts reached out to SwiftCover Car Insurance’s customer service department to discuss her situation.

The representative reassured her that the company offered flexibility and promptly adjusted her premium due date according to her preference.

Case Study 5: TrustyInsure Auto Insurance

Mr. Thompson, a TrustyInsure Auto Insurance policyholder, desired to shift his premium due date to better align with his monthly salary. He contacted TrustyInsure’s customer support team to explore the feasibility of changing the due date. The customer service representative informed Mr. Thompson that TrustyInsure policyholders had the option to request a change in the due date.

After submitting a formal request, TrustyInsure promptly modified Mr. Thompson’s premium due date from the 10th to the 25th of every month, providing him with the flexibility he required.

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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. 

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