Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Reviewed by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Apr 14, 2022

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In a nutshell...

  • Insurance renewal will come in the mail before your insurance renews
  • Be sure to thoroughly review your insurance information
  • Insurance often renews annually or semi-annually

Can you renew your car insurance early? Renewing your car insurance policy is important. It gives you the chance to review any changes to your upcoming policy term and choose whether you want to accept or deny coverage with your current car insurance carrier.

Find out if renewing your car insurance early is an option and find the best cheap car insurance for you.

If you are also looking for better auto insurance rates, start comparison shopping by entering your ZIP code above.

How does the car insurance policy renewal process work?

Your insurance company is legally required to send you a notice of insurance renewal. Typically this is done several weeks or even months prior to the renewal expiration date. You will receive a declaration page that outlines the specifics of your coverage and a new proof of insurance for the upcoming period.

Your insurance policy renewal is based upon the date that your car insurance went into effect. One thing you should know is that renewals most often occur annually or semi-annually depending on what length of coverage you opted for.

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What should I do when I get notice of car insurance renewal in the mail?

When you get a renewal notice in the mail, be sure to read it thoroughly. Make sure that the coverage you have fits your current needs and take note of any changes that may have taken place.

You’ll also want to verify that all your discounts have been applied. If needed, contact your insurance agent and discuss the terms of your policy.

Paying your car insurance before the renewal expiration date is especially important because some companies don’t offer a car insurance renewal grace period.

If you don’t want to continue with that car insurance company it is just as important to notify them of cancellation.

What can I do if my rate increases?

Whenever you get a ticket for speeding or get in an accident, it makes you a higher risk to the insurance company. Higher risk often will translate into higher rates when insurance renewals come around.

Car insurance rates often change at renewal.

Rate changes could happen for a few reasons, including:

  • Your driving record has changed
  • Your insurance carrier implements an increase for all of its customers

Keeping a clean driving record will help your rates stay the same, or in some cases, decrease.

Sometimes the insurance carrier will up the rates because they are required to. Each state mandates insurance rates, and sometimes an expansion in claims will increase the rates.

Can I renew my insurance early?

Renewing your insurance prior to receiving your renewal notice is not necessary. The best thing to do is once you receive your renewal notice in the mail is to figure out if you want to stay with the company or not.

Researching other insurance companies can help you make this determination.

Whatever your intentions are, be sure to contact the insurance company and let them know what you plan to do.

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What are continuous renewals?

Some insurance companies offer continuous renewals so that coverage will renew automatically unless the policy is canceled. However, if you switch providers, the car insurance renewal process may be different. How to renew car insurance with Progressive or Geico may be different from Allstate or a local provider.

While having continuous coverage eliminates the hassle of reviewing contracts and the possibility of lapsing your policy, it actually takes away from the customer experience.

If you feel that your car insurance policy renewal is not what you want it to be, don’t hesitate to look around.

It’s free and easier than ever with the internet at your fingertips. With just the click of a button, you could receive multiple quotes all at once.