Chelsey Tucker graduated with a Bachelor of History degree from Metropolitan State University in 2019. She now writes about insurance with her specialty being life insurance and has been quoted on Help Smart Phone and MEL Magazine.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Mar 19, 2020

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The lowdown...

  • Some auto insurance companies offer you an option on the payment date for your policy, which can be set up online or over the phone generally
  • If you are interested in changing your payment date, it is probably because you are encountering difficulty with making a monthly payment
  • If you are going to have a problem getting a payment in on time, it is best to notify the insurance provider right away to see if you can avoid having your insurance coverage canceled
  • If you pay your auto insurance premium on a monthly basis, you are responsible for keeping up with each month’s payments and maintaining coverage throughout your entire policy term
  • The car insurance company will have the option of not renewing your policy if you present significant issues with making monthly payments on time

Paying your car insurance on time is a prerequisite for being able to keep your coverage. Even with the best planning, however, there may come a time when you struggle to make the monthly payment on time.

In this case, you may want to consult with the auto insurance company to see if something can be done about pushing back your payment deadline to give you some breathing room for that particular month.

As soon as you think that you might have trouble with making your monthly payment, contact your auto insurance provider right away to make sure that there is enough time to accommodate any request that you might make.

If you are looking to save on car insurance, start comparison shopping by entering your ZIP code above!

Making Sure You Pay On Time


The golden rule of auto insurance coverage is that you must make all of your payments on time. There are no exceptions to this rule.

You are required to carry car insurance coverage by the state, so you could be in serious trouble if the auto insurance company cancels your car insurance policy.

The one thing you can do right away to see about lowering the cost of your policy is to change the limits of your policy or the types of coverage that you are currently getting under your policy.

For example, if you own your car outright and have comprehensive coverage on your policy, you may be able to remove this coverage to save some money on your monthly bill. Keep in mind that you may not pay a significant amount to have these optional coverages, so you may only be able to lower your bill by a small amount.

Another thing you can do to save money on optional auto insurance policies is to increase the amount of your deductible. Although, you could end up paying more money to have a claim processed under your comprehensive or collision coverage.

However, the benefit is that you might be able to keep your current coverages and pay less for them.

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Ways to Lower Your Auto Insurance Payments


If you are looking to reduce the price of your auto insurance, you can call the car insurance company to find out if you are missing out on any discounts that could apply to your policy now.

Often, the available discounts for auto insurance change, which means that you may be eligible for a discount now that otherwise would not have applied to your policy.

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If you are not happy with the answer that you get from your auto insurance provider, shopping around for other rates could pay off for you instead. You can start this process online with a free insurance rate comparison tool.

You just need to provide some personal information along with details about your vehicle to see what other rates might be available in your zip code right now.

Calling to Make Changes About Your Policy


The most expedient way to see if you can make a change to your car insurance policy is to call the insurance provider and ask yourself. Each auto insurance company has its own set of guidelines for what is allowed in changing an insurance policy.

You may even be able to make some changes to your insurance plan online if you are set up with an online account.

Your auto insurance documents may contain information about changing a payment date, but it will take much less time for you to call your agent or auto insurance company directly with any questions.

You may not be able to have your payment date changed if you wait until the last minute to make your request. In general, the earlier you ask for a change in advance of your payment deadline, the more likely you are to have your request granted.

Wrap Up


With some auto insurance providers, it may be possible to make an adjustment to the date that your auto insurance policy is due.

Any changes could be done over the phone or online. Even if you can make a change, you will want to be sure that you can consistently make payments on time.

Not being able to keep up with payments could be a legitimate reason for having your auto insurance coverage canceled prematurely or not being able to get insurance from the same provider after this term is over.

If you are looking to change auto insurance companies or just your auto insurance rate, start comparison shopping by entering your ZIP code below!