What's the difference between a six-month and 12-month car insurance policy? Is one a better option?

I went to buy car insurance a few days ago 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 provided by
Savannah Grabek
Answered on Feb 19, 2021
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.

Did this answer help you?

Ask us a question by email and we will respond within a few days.

Have a different question?

You can meet us at our office and discuss the details of your question.

Easiest way to compare and buy car insurance

No long forms
No spam or unwanted phone calls
Quotes from top insurance companies