Thanks for your question! When you have a six-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.
The length of a car insurance policy is really up to the preference of the customer. Most often, a 12-month policy is going to be more expensive by a few dollars, but the rate is locked in for the whole year.