What are the advantages of a 12 month policy?

There are many advantages to having a 12 month auto policy. Your rate will not change throughout the policy term, which often happens at renewal with many six month policies. In most cases 12 month policies also have a lower monthly payment. Six month policies allow companies to review your motor vehicle record history and cancel or non-renew every six months. With a 12 month policy, your driving record is reviewed once per year.