In addition to full payment, quarterly and semiannual payment plan options are available. If you are eligible for and elect a payment plan, your invoice will reflect the exact amount due for installment payments on your policy.

Policies automatically renew with the payment plan of the previous policy term. Contact your agent to change your payment plan.

Installment amounts are calculated based on your total policy premium. One time fees, such as inspection fees, installment fees and EMPA fees, are not included in your installment calculation. With the exception of installment fees, which are due with each installment, any one-time fees are due by the policy issuance or effective date, whichever is sooner, and will be added to your first installment payment.

Semiannual Payment Plan

Details

First installment

• 60 percent of the total policy premium
• One-time $10 fee
• $3 installment fee
• Any applicable inspection or other one-time fees
• Due by the effective date of the policy or the date of issuance, whichever is sooner

Second installment

• 40 percent of the total policy premium
• $3 installment fee
• Due six months after the policy effective date

Quarterly Payment Plan

Details

First Installment

• 40 percent of total policy premium
• One-time $10 fee
• $3 installment fee
• Any applicable inspection or other one-time fees
• Due by policy effective date or date of issuance, whichever is sooner

Second Installment

• 20 percent of total policy premium
• $3 installment fee
• Due three months after policy effective date

Third Installment

• 20 percent of total policy premium
• $3 installment fee
• Due six  months after policy effective date

Fourth Installment

• 20 percent of total policy premium
• $3 installment fee
• Due nine months after policy effective date