Is there any monthly car insurance plan ?

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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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UPDATED: May 21, 2012

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Insurance Question from Sugar Land, TX

Asked on 05/21/2012

Is there any monthly car insurance plan ? Hi, I am look to get a car insurance just for the summer June, July, and August. The most insurance I looked like Geico, autoinsurance, progressive are for a minimum of 6 months.

Answer given on May 29, 2012

Normally, the auto insurance policy is written for a term of six months or a year. This works in the favor of the driver in some instances since a change in your driving record will not be affected until the renewal date of the policy. For the six month term, any record changes are usually not made until the annual anniversary date.In spite of the term of the policy, most companies allow a monthly installment plan. You can pay two months to start and then on a monthly basis. If you elect an automatic deduction from a checking account or credit card, you may only have to pay one month down. If you are only needing insurance for a shorter term, you may cancel the policy when the time comes. If there is any unearned premium then the insurance company will refund that premium. Usually there is no penalty to cancel mid-term, but check with the company to be sure.

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