Thirty days before
Review your current declarations page and identify changes since the previous term.
LIFE STAGES AND DRIVING TRANSITIONS · INDEPENDENT EDUCATION
Ready for Renewal
An organized renewal process is easier to manage.
Plan Your RouteReady for Renewal
Build a simple review routine.
An organized renewal process is easier to manage. Work through the following considerations at your own pace.
Twenty days before
Ask questions about new premiums, exclusions and optional protections.
Ten days before
Confirm payment schedules, effective dates and any required documents.
After the decision
Save the updated policy and proof of insurance; keep the prior documents for your records.
Keep your notes in one place.
A clear list of questions can make conversations about coverage more productive.
Request educational information →A useful renewal timeline
Several weeks before renewal, confirm your vehicles, drivers, garaging location, and annual mileage. Compare current coverage with the renewal offer, including limits, deductibles, discounts, and any new endorsements.
If shopping around, request proposals with consistent assumptions and check the total cost. Confirm replacement coverage is active before canceling a policy. Keep copies of confirmations and payment receipts.