Most car insurance policies last for six months or a year, and they will automatically renew at the end of the term. Your car insurance company will not cancel your policy immediately if you fail to make a payment. State laws require auto insurance companies to give notice before canceling their policy, usually 10 to 20 days. Your insurer will notify you by mail or email before canceling your coverage.
It is important to get your new plan in place as soon as possible, as the costs of your new car may be higher than those of your old car. As one of the largest providers in the country, Progressive offers an auto insurance grace period online. This information is not an insurance policy, does not refer to any specific insurance policy, and does not modify any provisions, limitations or exclusions expressly set forth in any insurance policy. However, if your insurer has already said that their coverage is over and they must comply with state laws, you should make the payment as soon as possible.
Penny has been in the auto insurance business for more than 10 years and has become an expert in procedures, rates, policies and claims. She spent several years as CSR for Farmers Insurance, where she gained a strong understanding of insurance products, including home, life, auto and commercial, and worked directly with insurance customers to understand their needs. Her research and writing focuses on helping readers understand their insurance coverage and how to find savings. Most car insurance policies will automatically renew at the end of your term, so you don't have to worry about when your car insurance expires. The grace period for car insurance may vary depending on your insurer.
Drivers in almost every state require auto liability coverage, so it's important to get insurance back as soon as possible. Some states may allow you to extend your current coverage from another vehicle to the new one for several days. For example, Progressive offers a 30-day grace period for new cars if you have a plan for another vehicle. Even if you buy a used or new car from a private seller, you must follow the laws and regulations of state policies before driving home.