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12 Month Policy vs. 6 Month Policy

Advantages Of A 12 Month Policy Over A 6 Month Policy

What are the advantages of a 12-month policy over a 6-month policy? Individuals looking to save on cheap auto insurance often elect a 12-month policy over a 6-month policy because the rate is locked in throughout the policy term after all underwriting requirements are met. Often, 6-month policies will undergo a review at renewal time and your rate could go up. In addition, to maximize the cheapest auto insurance rates available, monthly premium payments for a 12-month policy are typically lower and more flexible.

Whether it’s a cheap auto insurance provider such as IFA or a more expensive insurance carrier, 6-month policies also permit reviews of your motor vehicle record history more often. If you have experienced citations that appear on your record, it could result in a cancellation or non-renewal of your policy every 6 months. In contrast, your motor vehicle driving record is only reviewed once per year on a 12-month policy. In short, you have longer assured insurance protection at lower rates and flexible payments under the 12-month policy provision.

 
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