No spam or unwanted phone calls · No long forms · No fees, ever
How to prevent an insurance lapse
Insurance lapses are typically avoidable. Here are some easy things you can do to prevent them:
Schedule reminders for important tasks: Jerry lets you set up payment reminders and offers an automatic re-shop feature before your policy renewal date.
Schedule your coverage start and end dates: Schedule your new policy start date to coincide with the end date of your old policy.
Buy a policy you can afford: Shop around for the best premium and take advantage of discounts to make sure you can afford your monthly payments.
Are there car insurance lapse grace periods?
There is no grace period for an insurance lapse. But if you haven’t paid your premium, most insurers will give you a grace period before they cancel your policy. The grace period varies and can be as little as one day or as long as 30 days.
Your insurance company must provide you with a warning before canceling your policy—it’s the law.
How long can car insurance lapse before you're penalized?
Even one day without car insurance counts as a lapse and can leave you vulnerable to a rate hike. That said, not all insurance companies will raise your rates if you resolve the lapse promptly. Check with your insurer to learn about their policy.