Can I Have Insurance For Six Months Instead Of One Year?

Yes, but often you pay more for six months. Few companies will offer less than a one year term. Most companies that do offer the three month or six month policies charge an extra premium for this service.

Unless you are using the six month term to get past an accident anniversary or a significant change of driver age it is not in your best interest to have less then a one year policy. If you have an at-fault accident the underwriter will rate your driving record upon renewal.

There is now a movement in the insurance industry towards two year policies. The advantage is that you get a guarantee of no rate increase. This does not extend to a rate increase involving an at-fault accident.

Check with your agent or broker as to what will best suit your needs.