Can I renew my car insurance before it expires?

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Things to Remember...

  • Insurance companies are legally required to send renewal notices out before a policy expires
  • Whenever you receive a renewal notice,  you should take the time to carefully review your policy and report any changes needed
  • Many auto insurance companies provide automatic policy renewals which are convenient but could also be harmful to your needs
  • If you have had significant changes in your life, an automatic renewal would take away the possible savings you could have from those changes

When it comes to renewing car insurance policies, insurance companies are legally required to send renewal notices and they will usually send timely notices three to eight weeks prior to expiration.

Insurance companies are well aware that because of busy schedules, expiration dates can come and go without acknowledgment.

Thus, to avoid gaps or actual loss of auto insurance coverage, renewal notices that also serve as reminders are sent out well in advance of expiration dates, although the format regarding the amount of time and type of notification given is different with each company.

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Renewing Car Insurance Prior to Expiration

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Renewal notices are also sent out in advance to give drivers the time to review their current policies and request adjustments according to any changes in their driving profiles.

The majority of car insurance renewal notifications are actually lengthy documents that require time and patience to review completely.

While examining, drivers can take note of any and all changes in the terms and conditions that the auto insurance companies may have made.

No matter what the case, notifications are sent early enough to grant policyholders the chance to consider all the facts before renewing or rejecting their policies.

Continuous or Automatic Renewals

In the interest of eliminating as much uninsured driving as possible, an increasing number of insurance companies offer continuous coverage that renews automatically unless the policy is canceled.

Usually, insurance companies will automatically renew the policies of those customers who pay using debit accounts or certain credit cards.

However, unless the insurance company specifically states that the policy will be automatically renewed, customers shouldn’t assume that because they’ve received a renewal notice, their insurance coverage will continue.

They should contact the company not only to ensure they have continuing coverage but also to report all incorrect policy information and any necessary changes needed for adequate coverage.

Continuous Renewals Benefit the Companies


Customers should understand that accepting the automatic renewal process could result in numerous drivers having higher costs rather than the lowest cost auto insurance company.

While automatic renewal offer convenience because it eliminates the possibility of lapsing policies and dealing with the hassle of reviewing and signing contracts, automatic renewals remove the customer’s incentive to shop around and possibly find a better deal somewhere else.

Automatic renewals are actually favorable for insurance companies as well because if the customer doesn’t shop around and the policy is simply renewed, then the insurance companies retain their business, and all the profits from rate increases too!

Therefore, it is always to the customer’s advantage to thoroughly review their renewal policies because all insurance companies’ rates and coverage change.

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The Best Time to Renew Auto Insurance

The ideal suggestion regarding the renewal process is for customers to keep the current expiration date in mind and begin on their own approximately two months prior to expiration by doing research on other insurance companies.

In so doing, they give themselves ample time to investigate thoroughly which will place them in a better position to negotiate a more favorable deal either with other companies or their current insurance company.

An insurance policy will be effectively renewed after the renewal information has been sent and the customer has accepted renewal of the coverage with that company.

This process is designed to have policies renewed by or within range of the renewal dates so trying to have it renewed prior to this is not likely to happen, nor is it even necessary.

Depending on the method of payment, renewed policies can issue as early as ten days prior to the renewal date.

Insurance companies prefer the courtesy of being notified of renewal intentions as soon as possible after receipt of the renewal notification.

Find the Best Rates for You


In actuality, it is not important to renew an auto insurance policy prior to expiration. Most policies remain in effect for only one year and most customers don’t have the time to consider renewing before then.

The important thing to remember is that it’s beneficial to the customer to remain mindful of the expiration date so timely research can be done.

Insurance companies are always striving to attract new business and as a result, they offer a multitude of discounts and promotions to prospective customers.

There are a lot of details involved with the auto insurance process whether it is a new policy or a renewal, and it varies in each company as to how much of that detail is disclosed to their customers.

Thus if a customer has a desire to renew well before the expiration date, they should check with their insurance provider to find out if this can be done.

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