UPDATED: Mar 13, 2020
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We partner with top insurance providers. This doesn't influence our content. Our opinions are our own.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
The following is an exported forum post from our discontinued forum. If you would like to reply to this old forum post, please post a comment below.
I’m 17 years old and just started driving a few months ago. I bought my car insurance thru Progressive. I bought it for 6 months and the 6 months are going to end soon. Will they renew it for me automatically? Or do they need to get my approval to do it?
I don’t want them to not renew it and then be stuck without auto insurance for a few days while they wait for payment to clear, etc.. what should I do?
We’re glad you’re taking car insurance renewals seriously! Many drivers simply buy it and forget about it.
Car insurance lapses are serious business. Going without car insurance for a few days – or longer – can expose you to enormous liability. Some people have caused multi-million dollar accidents while inadvertently driving without car insurance after a lapse.
It’s possible that your car insurance policy with Progressive will renew automatically. It’s also possible that your policy will not be renewed unless you specifically pay for the renewal:
- If you gave Progressive permission to take money directly out of your bank account, then your car insurance should be renewed automatically. This is how most car insurance companies operate. They get permission to deduct your premium payment from your bank account every month automatically.
- Alternatively, if you paid for your car insurance using some other payment method – like a check – then it’s possible that your car insurance will not renew automatically at the end of your 6 months. It’s possible that Progressive does not have permission to automatically charge your credit card or another payment method.
In most cases, car insurance policies renew automatically, and you have nothing to worry about. However, to avoid a lapse, it’s best to assume that Progressive does not have permission to deduct your car insurance payment from your account automatically. Do not assume that Progressive will renew your policy automatically. Contact Progressive as soon as possible to verify your payment information and/or set up automatic payments.
Most insurance companies make it easy to set up automatic payments. It’s in the insurance company’s best interest to have you ‘set it and forget it’. Your insurance company wants your long-term business. Some insurance companies even give you a small discount off your premium for setting up automatic payments!
How to prevent your insurer from renewing your policy
You mentioned that you’re 17 years old. As a 17-year-old, you pay much higher car insurance premiums than virtually any other driver in the United States. If you’re unhappy with your insurance premiums with Progressive, then you may wish to let your Progressive insurance policy expire and switch to another provider.
If your policy is set to end automatically without being renewed (unlikely), then you can just let it expire and buy a new policy whenever you need it.
If your policy is set to be automatically renewed (which is more likely), then you will need to contact Progressive to cancel your policy, at which point you can switch to a new provider.
When switching to a new car insurance policy, make sure you’re not leaving a lapse in coverage. Assuming you need continuous coverage, you need to have your old insurance policy expire the same day as your new policy begins.
Most insurance companies send renewal notices 30 days in advance
Whether your policy is being renewed or not, you should receive a notice 30 days in advance of your date of expiry.
Most insurance companies send a notice 30 days before your policy is scheduled to be automatically renewed.
Most insurance companies also send you a notice 30 days before your policy is scheduled to expire.
Ultimately, most car insurance policies are automatically renewed, with the renewal occurring every 6 to 12 months. It’s in your car insurance company’s best interest to set up automatic renewals: if your car insurance policy is set to expire, then you may take the opportunity to compare prices with other car insurance companies.
However, if you’re in doubt about the renewal status of your policy with Progressive, then we recommend contacting your car insurance company to verify that your car insurance will be automatically renewed. It’s never good to let your car insurance lapse. However, most car insurance companies send you a 30-day notice before your policy is set to expire or be automatically renewed. Enter your zip code below to view companies that have cheap auto insurance rates. Secured with SHA-256 Encryption
Enter your zip code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
Unless you gave them the go ahead to take it directly out of your bank account, they won’t renew it for you automatically. If you want to continue with them, call them up to notify them, and send them payment atleast a couple of weeks in advance.
If you want to switch insurance companies, on the other hand, you should do it quicker (start looking now). Use the form at the top of the site if you would like to compare quotes from other companies.
Also, you might want to look at this article for ways you (as a young driver) can save on insurance – auto insurance for young drivers
Hope this helps.