How Long Does Car Insurance Last?

  1. 14231 POINTS
    Tom Sheehan
    Agency Owner, The Thomas G Sheehan Agency, 27 Glen Road Sandy Hook, CT 06482
    Typically car insurance policies are issued on either an annual or a semi annual basis. They are referred to as "continuous renewal" policies in that so long as you continue to meet the underwriting standards and guidelines as filed by your insurance company with your state's Insurance Department, you will continue to receive renewal offers.
    Answered on October 16, 2014
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  2. 37376 POINTS
    David G. Pipes, CLU®, RICP®
    Business Development Officer, T.D. McNeil Insurance Services, Fresno, California
    The automobile insurance policy has a start date and expiry date. Claims arising from the operation of the vehicle between those two dates and times are covered. Occasionally a company will “reinstate” a policy that has passed beyond the expiry date. To do so they will almost always require a statement that there weren’t any potential claims during the period from the expiry date and the date of reinstatement. In those cases the policy will often be back dated to provide continuous protection. This is important when there is a loss payee, such as a bank, that has the authority to order coverage for the vehicle.
    Answered on February 26, 2015
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