| Auto Insurance
What You Need to Know About Policy Renewals - Happy Family in Car

Wondering how, where, and why to renew your car insurance policy? Look no further! Perhaps you’ve never renewed a car insurance policy before or you’re just curious how it all works. (It’s not as complicated as you may think!) Whatever the case may be, check out these five important things you need to know about policy renewals and share a comment below: when it comes to car insurance, what else are you curious about?

You Can Change Your Policy

While you can make changes to your policy at any time through an endorsement, you’ll find that  your renewal period is a good time to make sure everything is current, including the little details like your address and phone number.

You may have gone through some big life changes too, in which case you may want to revisit your liability limits or consider adding term life insurance (which is a great choice for new parents). Maybe you’re commuting further for work and could benefit from the peace of mind that comes with a roadside assistance plan. Or, maybe you’d like to add a car or a driver, since your niece will be moving in with you. Along with adding/removing cars, drivers, and products when renewing your policy, you can also change your coverage, coverage limits, and deductible amount.   

You Can Change Your Payment Plan

Changing your payment plan could help make your protection more affordable, especially if you’ve changed jobs and are receiving your paycheck at a different time, or you’ve moved and your rent is due at a different time. Your policy renewal period is a great opportunity to work around these changes and adjust your insurance payment due date.

You Could Qualify for a Discount

Many car insurance companies offer policy renewal discounts to their customers. Typically, you could qualify for a renewal discount on your insurance premium if you’ve had no policy lapse in the prior 12 months (and you renew your policy within 7 to 10 days of the policy expiration date).* When renewing, you could also qualify for other great insurance discounts like a mileage discount, homeowner discount, or multi-product discount. Score!

Your Rate Could Change

A renewal discount could help lower your premium, but changes to your coverage levels, deductible, or annual mileage could increase or decrease your premium too. If you’ve moved, added or removed a driver, or changed vehicles, you could also see a change in how much you pay.

Now let’s say you’ve been in a fender bender or two this last year. Worried that your cheap car insurance rate will go up? Don’t! Before you get your pants in a bunch, know that not all car accidents or claims will raise your rate. They could, but it depends on a number of factors like your driving history and whether you were at fault.

You Can Renew Online, in Your Store, or Over the Phone

Did you know? Not all insurance companies offer you the choice to renew your policy online, over the phone, or in a store–regardless of how you originally purchased it. As a Direct Auto Insurance customer though, you have choices! Call, click, or visit one of our more than 400 store locations to renew your policy. It’s up to you!

Our customers have choices at every bend in the road, and that’s the way it’s been for the last 25 years. Not a Direct customer yet? We’ve got perks like low rates, flexible payment options, and an easy-to-use website…in other words, what are you waiting for? Visit your local store, give us a call, or simply go online to learn more. We’re here to help in whatever way we can.


Surprised Girl


What a pleasant surprise! We do more than tell our customers that we appreciate them. We show them too! Learn more and visit your local Direct Auto store any Friday during the month of April for free food and great giveaways!


*Renewal period varies by state and Renewal discount not available in VA. Policy reinstatement without a lapse in coverage is subject to terms and conditions and is not guaranteed.

**Material in these articles is for general information or entertainment purposes only. Direct General does not endorse and is not affiliated with any of the companies or apps listed in this article. Direct General is not responsible or liable for the availability of links to websites or resources, or for any content, advertising, products, services or other materials on or available through these websites or resources. Any references to third party rates or products are subject to change without notice. Trademarks are property of their respective owners.