Auto insurance renewal in 2021


Guide: Everyone who drives a car knows that it is important to buy insurance for your car. If you buy it, you can drive with peace of mind. If you do not buy it, you will be worried every day. So what are the ways to renew auto insurance? When is it appropriate to renew?

Most people who own their own car would prefer to buy car insurance for their car but the car insurance period is one year, and the car insurance is about to expire. Car owners need to consider renewing car insurance, but how do you renew car insurance? What should I pay attention to when renewing auto insurance? This is an issue that should not be left blank as it relates to the one-year warranty of the car.

1. What are the ways to renew auto insurance?

There are several ways to renew your car insurance. There are conventional offline insurance methods. The car owner goes directly to the insurance company to apply for car insurance. The car owner can choose his auto insurance method by telephone or online. But what I want to remind everyone is that it is not the method you are choosing for auto insurance renewal, car owners must remember to choose a formal insurance company or company. 

If this is an online auto insurance renewal, you must log in to the official website of the insurance company, Because now the insurance industry is getting bigger, and it also gives many criminals a chance to take advantage of it, because there are many scammers who try to defraud car owners. Pretended to be an employee of the insurance company.

2. When will auto insurance be renewed?

As a car owner, you must remember the expiration date of your car insurance, ensure timely renewal and avoid being driven by insurance. This is because at the time of leaving the insurance, the car insurance company cannot compensate the insurance company for the accident and this will increase the subsequent insurance rate.

When car owners renew car insurance, it is also very important to choose a good renewal time. It is not too early or too late to renew car insurance. Car owners who have taken out car insurance know that when the insurance period is about to expire, the insurance company will remind the car owner to renew the insurance by sending a short interest rate or by phone call. 

Of course, different insurance companies will make some difference in the renewal reminder service. For example, PICC customers will start reminding customers two months before the end of auto insurance. Some insurance companies will start reminding customers one month before the end of auto insurance and some insurance companies don't remind customers of this service.

Some car owners forget to renew car insurance on time due to a busy schedule. It is okay not to go out of insurance during this period. Once the insurance is out of danger, the insurance company will not pay compensation. All compensation costs will be borne by the car owner, so the car owner has to renew the insurance in time to reduce the insurance loss.

However, some car owners say that because they fear that the car will come out of insurance, they should renew the insurance a few months in advance. In fact, it is best not to renew the insurance too soon, since if the car owner purchased car insurance early in the second year, it would take some time for the auto insurance claim to be settled within this period. The insurance company can then extend the claim record to the second year of the owner’s insurance year. Thus, the owner will have one more claim record for having nothing, which will affect the following year. Premium discount.

3. When is it appropriate to renew auto insurance?

First, we need to determine the effective timing of our auto insurance policy. Generally speaking, it will take effect 24 hours after delivery. The specific effective time is subject to the specified time in the policy. Thus, the effective time of the policy at the time of renewal can be seamlessly linked with the expiry of the previous policy and at the same time, the event of leaving the insurance can be avoided.

  • 1. If you become inactive during this period. when the policy expires, you can renew the policy 10 days in advance. The PICC clerk recommends that you do not renew the insurance on the day the policy expires. Because the time will be tight and the renewal will be delayed due to minor issues such as queue and inadequate material preparation;

  • 2. If you are busy at the time the policy expires, you can renew the policy one month or one and a half months in advance. General insurance companies stipulate that the insurance can be renewed up to 90 days in advance.


Note: Here everyone needs to be reminded that if any insurance accident occurs before the successful renewal, it will be recorded in the next insurance record, which will affect the next premium.