Your car insurance policy won't be immediately canceled because you don't make a payment. Auto insurance companies are required by state law to give advance notice. Auto insurance companies are required by state law to give notice before canceling their policy. Depending on the state, you'll normally have 10 to 20 days.
Your company will notify you by mail or email before canceling your coverage. When you pay online or over the phone, we'll accept your payment right away. For automatic payment setup, your payment will be accepted on the normally scheduled date. If you send your payment by mail, we will note the postmark date on your envelope and consider that the payment was made on that date.
We charge a higher rate for customers who are more likely to file claims and a cheaper auto insurance rate for customers who are least likely to file claims. Auto insurance companies often offer a grace period for late car insurance payments, so a payment that's late by a few days shouldn't be a problem. You can change insurers at any time, even if you just renewed your policy with another insurance company. You can pay for your car insurance policy by credit card, PayPal, online check, personal check, money order, or electronic funds transfer (EFT) from your checking account.
Make your payment as soon as possible, as the grace period for car insurance may vary depending on your insurer. This information is not an insurance policy, does not refer to any specific insurance policy, and does not modify any provision, limitation or exclusion that is expressly stated in any insurance policy. If you lend your car to someone and that person causes an accident, Progressive may cover some of the damages they are responsible for. During your progressive quote, you won't be able to select car insurance coverages that don't apply to you.
However, the vehicle must be regularly parked at your residence overnight for Progressive to insure it in your policy. Call your old insurance company and find out if your coverage has expired and, if so, how long you have been without car insurance coverage. If it's been a few months since you received your quote, the rates in your area may have been revised, which could decrease or increase the price you pay for your car insurance policy. In addition, if your policy includes car rental reimbursement and your car is damaged in a covered accident, Progressive will pay the rent (up to a specified limit and term) while your own car is repaired.
Every state requires auto insurance companies to declare how they calculate rates to customers, and insurers cannot deviate from these presented rates.