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...

  • Extending your car insurance payment is at your carrier’s discretion
  • You should be comfortable with your billing terms when buying your car insurance policy
  • You usually can change your policy premium due date or change to premium installment plans

One thing that we all have in common is that we all have bills to pay. It is not uncommon for it to seem like a new bill shows up in the mailbox every single day of the week.

We have bills for many things including:

  • our cars
  • our mortgage
  • our car insurance

With all of these payments, you as a consumer always want to know what your options are. One question that commonly comes up is whether you can get an extension on your car insurance payment.

The whole idea behind an extension on your car insurance payment is that you have the ability to pay it later than the actual due date that is currently listed.

This could be accomplished a few different ways, but it will be dependent on the car insurance carrier that you have an insurance policy with.

Compare car insurance quotes today to see how much you could save on car insurance.

Tweaking the Due Date


One of the more common options that you as a consumer have is that, throughout the course of your insurance policy, you can alter the due date of your premium.

Most car insurance carriers will only allow you to do this once during the full policy period, but it is an option that is more than likely going to be there.

Let us say that you have a car insurance policy and it is due on the first of every single month. The next month, you are going to be a bit short on getting that full payment in by the first, so you would like a few more weeks to get yourself more time.

You can adjust the due date so that it is due a few weeks later. Then, in the subsequent months, it will be due on that same new date.

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Changing Billing Terms

Another way to extend the car insurance payment that you need to make is to alter your billing terms. You could end up with one big car insurance bill because of your chosen billing terms initially that require larger payments.

This is very common when you initially agree to pay for a car insurance policy in one lump sum annual payment.

There are a few other payment plans that require big payment as well, such as paying for your car insurance policy semi-annually or quarterly. This is going to have you making two or four big payments.

You could potentially change up your billing terms so that you can extend your payment and stretch it out.

Your car insurance carrier may allow you to amend your billing terms so that instead of paying in one lump sum annual payment, you can spread it out over 12 monthly payments throughout the life of your car insurance policy.

The Insurance Carrier Has the Power


The reality is that the insurance carrier is the one that is going to hold all of the power. When it comes to your ability to extend your car insurance payment, what they allow you to do si basically what you are going to be able to do.

If they let you make tweaks along the way, you are in good shape. If they take a harder stance and require you to abide by the originally agreed to bill terms, they are in their right to do just that.

You, as a consumer, always want to try and have yourself in the driver seat when it comes to your car insurance policy and carrier. Know your billing terms and gain comfort with them before you ever sign onto a policy in the first place .

When shopping around, ask insurers what your options are should you ever need to adjust your billing terms. This can always allow you the option of extending your car insurance payment if the need ever arises.

Compare car insurance quotes and save today! Enter your zip code in the free rate tool below.