What's the difference between a 6-month and 12-month car insurance policy? Which is the better deal?

I went to buy car insurance and the broker told me I could renew every six months or once a year for what's basically the same policy. Which one should I choose?

Answer
When you have a 6-month policy, that means every six months your insurance company can adjust your rates.
If you get into an accident or get a ticket, you’ll see this reflected in your rates upon your policy renewal. When you have a 12-month policy, you won’t see the impact of any accidents or tickets on your rates for a year.
If you can afford to (and have a good driving record), go with the 12-month policy. This is called paying upfront and can save you money in the long run.
If you are still unsure, getting Jerry, the app that offers quotes from 50 top providers, can help! It’s free, and will save you time and money by comparing rates and delivering the best deals to you phone.
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Savannah Grabek
Answered on Aug 05, 2021
Savannah Grabek is an expert in Personal Lines insurance. She has 5 years experience in the insurance industry. Savannah began her carrier working with just property insurance and is now tenured in all personal line including home, auto, motorcycle, boat and umbrella. She previously worked for GEICO and has now been working with Jerry insurance for the past year. Savannah lives in New York with her son, fiancé, and puppy Bear. In her free time she enjoys spending quality time with her family and hiking with her dog.
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