Yes, you can make a payment after the due date. Keep in mind that if your payment isn't received before the scheduled due date, you may receive a cancellation notice. If your car insurance payment isn't due yet or hasn't been processed but you know you won't be able to pay it, you can postpone the payment or extend the due date temporarily while you collect the money. Depending on your insurer, you may not even have to call an agent to do so.
For example, Geico allows customers to delay automatic payment of invoices by up to nine days through the company's mobile app. If your car insurance has expired because you didn't meet the grace period, you may be able to reinstate your policy. If you pay your car insurance a couple of days late, you're most likely still in the grace period. They can also arrange a partial payment to keep you insured if your insurance company allows it.
The best way to avoid an interruption in coverage is to pay for car insurance in full at the start of the policy. Applying for car insurance doesn't affect your credit score, and paying the premium doesn't help you build credit. Allowing your car insurance to expire is considered driving without insurance, and you can face all the legal and financial consequences of driving without insurance. If you have an accident after your car insurance expires, you'll have to pay out of pocket for any damage you cause to yourself, other people, and your car.
It's illegal to drive without insurance in almost every state, so once your insurance is canceled, you won't be able to drive. If you don't pay for car insurance, you'll receive a notice of cancellation required by law from your insurer. If you don't already have an insurance policy for another car, you'll need to get a policy before you can take your new car out of the dealership parking lot. If you're worried about being able to make your payments, there are several ways to save money on car insurance.
If you receive a cancellation notice from your insurance company, contact your provider, try to reinstate your policy with your current insurer, or look for a new policy and avoid driving your car until you are no longer uninsured. After that, your insurance will officially expire and you will no longer be able to drive your car legally. If your car insurance expires or is canceled, either due to non-payment or for any other reason, you're likely to face some kind of financial ramification. I've been insured by GEICO for years, but I recently changed my bank account and that messed up my automatic payment settings.
Most insurance companies have a grace period for late payments, usually about 10 days, but not all insurers or state laws allow this.