Will my payments be smaller? I’m only starting to be regulating my automobile for 6 months.
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It is possible, but I don’t know the names of any specific companies.
I do know that some carriers ONLY write 6-month policies. You would just have to shop around.
A good insurance agent will write any deal you want.
Each state sets the minimum time period for auto insurance policies, but quite a few will allow for a six month policy.
If you pay in full, the policy will cost half as much as a 12 month policy. If you make monthly payments, it’s not going to make a difference!
You probably do not need to find a 6-month policy, though many companies do offer such terms. Progressive and Geico come to mind as two companies who offer 6-month terms. Typically a “preferred” insurance carrier (insures low-risk drivers and usually has cheaper rates for such drivers) will do 1-year policies, while standard and high risk carriers will insure 6-month terms.
In any case, however, nearly all insurers “pro-rate” the premium when you cancel. This is in opposition to carriers that “short-rate” the premium. Pro-rating means that when you cancel you will receive back the amount of premium that wasn’t used up by the day you canceled, and you receive a refund if you’ve paid more than was necessary to cover you through the cancellation date. By contrast, when a carrier short-rates then they take some sort of fee out of the refund if you cancel before the end of the term. Few carriers do this, but it’s good to inquire before you obtain the policy.
Your payments are not likely to be smaller either way. On the other hand, some companies give a “discount” when you pay in full up front, and paying in full for 6 months might be easier on the checkbook than paying in full for 12.
autoinsurance.noneto.com – try this one. I have their car insurance and, as I know, they can provide such a service.