Contact: (217) 355 9075 - Address: 702 Bloomington Road. Suite 205. Champaign, IL 61822 - Email:

Should You Buy a 6 month or 12 month Car Insurance Policy?

Buying car insurance is a very confusing time for many people. If you have never purchased car insurance yourself it is very easy to get overwhelmed by all the terms and jargon. Here at Rueck Insurance we do our best to help the Champaign and Urbana area understand their car insurance in terms they can understand. 

One of the top questions we get is what kind of policy should I buy, a 6 month or 12 month policy?

We feel that a 12 month policy is the better option for most people.

Some car insurance companies (Allstate, State Farm, American Family, Country Financial) only offer a 6 month insurance policy, why is that? Simple it benefits them! It gives them the chance to adjust your rate HIGHER twice a year. You need to ask your agent if they offer a 12 month option. If they do not it might be a good time to shop around. Here are some reasons why a 12 month policy is better for consumers.

  • An annual policy "locks in" your rate for a year. Any ticket, accident or rate increase filed by your insurance company will not affect you until your next renewal.
  • The 6 month policy gives the advantage to the insurance company and gives them the opportunity to raise your rate twice a year.
  • Many insurance companies offer you an additional discount if you choose the annual option. 
  • One single bill for the entire year

There are some cases when a 6 month policy makes sense

  • If you have a ticket or accident that will "fall off" your record during the next year. 
  • You or a member of your family will be having a significant birthday during the next year. For example turning 18, 21 or 25, these milestone birthdays often come with a big discount on your insurance.
  • You will be getting married with the next year. The rate of a married driver is usually much better than a single driver.

The way we see it, if you have been a good driver with a clean driving record, we think the wise move is to buy the 12 month policy. On the other hand if your driving record is due to become "clean" or if you have a significant birthday within the next 6 months, we would suggest the 6 month policy until after the date passes. If you have a question please give us a call at 217-355-9075.

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About Us

Rueck Insurance is your independent, one-stop insurance center for all your personal and business insurance needs in Illinois. Insurance shopping is easy when the Protection Team provides you with multiple quotes to choose from. You will always know you are getting the best coverage at the lowest possible price.

Contact Info

Rueck Insurance is your independent, one-stop insurance center for all your personal and business insurance needs in Illinois.

702 Bloomington Rd#205
    Champaign, Illnois
(217) 355-9075

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