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...

  • Car insurance companies generally structure policy terms for either six or 12 months at a time
  • When your auto insurance is due to renew, the auto insurance company will take a look at your current policy and see if there are any changes to your rate or coverage that need to go into effect for the next term
  • The auto insurance company also has the right to terminate your coverage if it is no longer feasible to provide you coverage
  • You can find out when your car insurance is due for renewal by checking out your policy or calling the auto insurance company
  • While you cannot pay for your policy before the next term starts, you can make sure that you are set for coverage

Renewing your auto insurance policy is a very easy task.

In general, you will not have to do a thing in order to have it in place after your current policy term ends. This is because almost every auto insurance company depends on automatic renewal procedures to keep drivers from forgetting to renew their auto insurance policies.

There is the potential that your auto insurance provider will not want to continue to provide coverage past your current term. For this reason, you cannot pay for coverage beyond your current policy term.

Now is a good time to compare rates of different insurers. You can start right here and see a side-by-side comparison of several companies at once.

Ensuring that You Have Coverage


If you are thinking about how you go about renewing your auto insurance policy, this is probably because you want to make sure that you follow all laws related to car insurance and responsibly operating your vehicle.

This is a very good thing because it means that you will avoid fines and penalties for not having the insurance that you are supposed to carry at all times.

The auto insurance company makes it very easy for your policy to renew, although that cannot happen until your current policy term is at its end.

If you are wondering when exactly you might need to start thinking about renewing your car insurance policy, you can usually find that out from your policy documents themselves.

You may not keep a copy of these documents, so calling your auto insurance company is the next best way to figure out the dates.

When you call your car insurance provider, you should also ask if your policy is set up for the standard automatic renewal process. If not, you can also ask how you will receive notice about any renewal decisions for your policy.

In the vast majority of cases, the auto insurance company will tell you that the policy automatically renews at the end of your term without you having to do anything.

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What Happens When Your Auto Insurance Policy Renews

The rate that you are paying at the start of your policy term will be the same amount that you pay at the end of it. The insurance company does not raise rates in the middle of a term. However, this is not necessarily true after that term expires.

When a new insurance term starts up, you may receive a notice that your rate has changed. If you are eligible for new discounts now, it could have decreased.

On the other hand, if you had a claim filed against you or if you received a traffic citation during your current policy term, you might need to brace yourself for a rate increase for the following term.

Reacting to a Rate Increase for Your Car Insurance


If you get word that your car insurance rates are going up, you do not necessarily need to panic. There are things you can do, such as asking about current discounts, to make sure that you are not paying your current company more than you absolutely have to.

In addition, you can use this as a perfect opportunity to find out what better rates could be available for you from other companies.

It is as simple as using a free online tool to compare car insurance rates. You search by the following:

  • your zip code
  • personal information
  • the make, model and year of your car

If you find that a lower rate may be available for you, you should start doing some digging into the reputation of the car insurance company to make sure that you are not getting any surprises when you sign up.

You should also make sure that this rate would include all of the coverage that you would need in terms of adequate policy limits and the types of coverage you might need.

Wrap Up on Renewing Your Car Insurance

If your auto insurance policy is like most others in the U.S., you will not have to do anything at all in order for it to renew for another term.

Many auto insurance companies use an automatic renewal policy so that drivers do not forget to renew their insurance after their current term is over.

Renewal periods offer the auto insurance companies a set time to be able to review each policy and make sure that the company still wants to provide coverage to that particular driver.

If you are no longer going to be able to get coverage, you will receive notice of that decision before the policy actually expires so that you can look for other forms of coverage.

Compare insurance options now and see how much you could save on car insurance.