Can I Paymy Car Insurance With a Credit Card
| Chelsey Tucker graduated with a Bachelor of History degree from Metropolitan State University in 2019. She now writes about insurance with her specialty being life insurance and has been quoted on Help Smart Phone and MEL Magazine. Full Bio → | Written by |
| Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family's insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He's also been featured on sites like Reviews.com. Full Bio → | Reviewed by Daniel Walker |
UPDATED: Aug 24, 2021
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The lowdown...
- Credit cards seem to be the universal method of payment along with checks/money orders
- Credit cards present numerous positives for those hoping for a smooth premium payment
- Pay your car insurance with a credit card at most providers
Auto insurance policies are only active when you make timely payments. So, getting a payment processed right away is in the best interest of the customer. While you can send a check or use other more traditional methods of payment, most customers now prefer to pay via credit card through a secure online portal or over the phone.
We were unable to find an instance of a large, nationwide car insurance company that didn't allow customers to pay your car insurance with a credit card. Follow along for more info.
You can pay car insurance with your credit card after comparing car insurance quotes from different companies in your local area by entering your ZIP code into our FREE rate comparison tool above.
How Can You Pay Your Car Insurance with a Credit Card?
Credit card payments are accepted by major car insurance companies in the United States. As long as enough credit is available on the card, your payment ends up processing immediately once the charge is made. If there are any problems, the credit card payment is declined immediately. This protects both you and the insurance company. You know immediately that there's a problem and you still need to make payment to be insured. You don't have to worry about an unexpected lapse in coverage. The insurer also knows immediately that insurance payments were made. So they don't have to chase you down.
Credit cards, along with checks and money orders, are accepted by all major car insurance providers.
The other two most commonly accepted payment options are online checks and electronic funds transfers (EFTs). Making a credit card payment is fairly easy, and there are different options for consumers. Customers often use credit cards to save money in their bank accounts. Some sites also allow customers to pay via Paypal or another third party service that encrypts your card information for everyday insurance payments and more.
The best credit card to pay car insurance is determined by the car insurance company. Before you pay your car insurance, the car insurance company will list the credit card networks in which they receive payments. Here's a list of the most popular.
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Credit cards on Visa or Mastercard's network can be issued by other credit card companies. Visa and Mastercard do not issue credit cards, but most credit cards go through their network.
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What Are Your Payment Options to Keep Your Auto Insurance Current?
Everything is going digital including insurance premiums. Most companies encourage customers to access their plan information online or through apps on their phones or other mobile devices. You typically create a free online account when you sign up for your policy.
They'll ask you to make your initial payment. Most sites allow customers to set up automatic monthly payments while they're making their initial premium payment. Whether you pay monthly, bi-monthly, or semi-annually, you can set it and forget it. Then as long as your card is active and you haven't cancelled your auto policy, the insurer will charge your credit card company on a preset schedule for the initial period and renewals.
The technology associated with online profiles allows for saving credit card information making it a very simple process.
Should You Use Automatic Payments?
To make things even easier, an option for automatic payments on the premium due date is available. Taking advantage of this feature definitely would be to the benefit of customers who do not wish to miss a payment.
Adding a backup credit card to the account is advisable as well. This way, if a problem arises, the charge action simply moves to the next available credit card.
Do You Prefer to Call in The Payment?
A toll-free phone call to the insurance company's customer service line can allow insurance companies to process a credit card payment quite easily. Simply read off the account number, expiration date, and three-digit security code and wait for confirmation.
Get a confirmation number if possible in order to make sure the payment was processed and accepted without any issues.
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Mailing a Credit Card Check
Credit card companies afford account holders with checks written and borrowed against an available credit card balance. Circumstances may arise in which this method of payment becomes preferable.
Employing the strategy should be done sparingly, though, since user fees and interest rates are somewhat prohibitive.
As you can see, there is more flexibility associated with credit card payments than many realize. For this reason, those who have not made payments with credit cards in the past should consider doing so in the future.
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The Statement Copy
When a payment is made to an insurance company, the chances the company will accept payment and fail to properly credit the account are slim.Generally, the second a payment is processed, a confirmation email is sent to the customer.
Even if the confirmation email is not sent, logging onto the online account to make sure the payment was processed is a quick and easy process. If you find that your payment was not processed, a quick call to the customer service division can straighten things out.
What happens if the car insurance company claims no payment was made at all?
The credit card statement tells all. A charge made and credit in the name of an insurance company is, in essence, proof of payment.
Such proof may come in handy at times and, unlike a cash receipt, even if the statement is lost a duplicate copy can be procured from the credit card company without much trouble.
Presenting proof of processed payment through a credit card statement assists the insurance company in performing an effective payment search.
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Alternative Payment Methods
Those unwilling or unable to make payments with a credit card have other options. In addition to the previously well-known ones, there are lesser-utilized, and less-accepted options available.
Those whose policies are with credit card companies willing to accept alternative payment methods may opt to take advantage of them.
PayPal and cash payments are the two most common of the limited acceptable methods of payment. Only three major insurance providers are willing to accept them and they are:
PayPal:
- Progressive Insurance Group
- MetLife
- Mercury General Group
Cash:
- Nationwide Group
- Metlife
- Mercury General Group
Each individual insurance company's customer service department can advise on the proper way to process these unique payments.
Start comparing car insurance rates from different companies in your local area by entering your ZIP code in the free comparison tool.
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Can you pay car insurance with a debit card?
Debit cards are commonly processed like credit cards and, as the saying goes, "wherever credit cards are accepted." This statement may not be entirely correct.
While debit cards are processed in the same way credit cards would be, they are not accepted at the same venues all the time.
The following six major car insurance companies will not accept debit card processing:
- State Farm Group
- Progressive Insurance Group
- USAA Group
- Liberty Mutual
- Travelers Group
- Hartford Insurance Group
The reasons why debit cards are not accepted are not fully known. Ultimately, it is the prerogative of the individual insurance companies to decide on what methods of payment are acceptable to them.
Perhaps the fact that funds need to be in a debit card account and a lack of funds leading to non-payment factored into their decisions.
Find the car insurance company in your local area that offers the best rates and that allows you to pay car insurance using your credit card entering your zip code into our FREE comparison tool below!
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Paying Insurance with a Credit Card FAQs
For this section, we'll recap what you've learned from our guide and answer a few more questions on how you can benefit from paying car insurance with a credit. These frequently asked questions appear on search engines across the internet, so we've brought them to you for your convenience.
Can I pay insurance with a credit card?
Yes. Some car insurance companies don't accept credit cards, but the majority of car insurance companies do accept credit cards.
Do car insurance companies accept credit cards?
For the most part, yes. To process payments faster, car insurance companies usually allow credit cards as a method payment.
Can I pay my AAA car insurance with a credit card?
Yes. AAA's quick bill pay system allows you to make payments with your credit card. You can make a credit card payment through AAA's Member Services department at 1-800-684-4222 to pay your bill by phone.
Can I use a credit card to pay my Geico Insurance?
Yes. You can pay your Geico car insurance with a credit card and debit card online and by phone.
What bills can you pay with a credit card?
You can pay any payment, utility, or service with a credit card.
Can I pay my car payment with a credit card?
It depends on the dealer or finance company. Most dealers and finance companies allow you to pay your car payment with a credit card.
Can you pay car insurance with a credit card at Progressive?
Yes. Progressive car insurance policies can be paid using a credit card.
Can I pay my State Farm car insurance with a credit card?
Yes. You can pay your State Farm car insurance in person, over the phone, and even online with a credit card.
Can you pay home insurance with a credit card?
Yes. Most home insurance companies will accept credit cards.
Can I Paymy Car Insurance With a Credit Card
Source: https://www.insuranceproviders.com/can-you-pay-your-car-insurance-with-a-credit-card/