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GEICO carinsurance · How to cancel your old one. Geico has a nine-day grace period if you can't make your payment on time. After that, your policy may be canceled.
Geico doesn't have any late payment fees, but if you don't make a payment, they'll send you a formal notice of cancellation within 14 days of the original due date. The notice will indicate the deadline by which Geico will accept payment to avoid an interruption in coverage. If you don't pay your bill before that date, your insurance will be canceled. Now you know how long it will be before GEICO cancels the insurance.
GEICO will send a cancellation notice if payment is late, giving you two weeks to make that payment. If you don't make a payment within two weeks, GEICO will cancel your insurance policy. If you're enrolled in the automatic payments service, you may be able to postpone your next scheduled payment for up to nine days. If you can't pay for your car insurance, they offer you an additional nine-day grace period if you explain the situation and ask for help.
To recover your insurance coverage for your vehicle, there are often more penalties, which usually means a higher rate or a stricter payment plan option. The best time to cancel your Geico policy is at the end of the policy term. Many insurers accept cancellations through several channels, but Geico will only cancel your policy over the phone. However, if you're in the military, GEICO will allow you to suspend your policy while you're away to avoid an insurance lapse and help you save money.
Certain states allow insurers like Geico to charge you a reduced rate if you cancel in the middle of the term of your policy. If you have a GEICO car insurance policy, keep in mind that car insurance is a legal requirement for driving in most states. Auto insurance grace periods can be up to 30 days, but the exact time you have to make a payment before your coverage is canceled depends on your insurance company and the state.