Marissa Hayes is a technical editor and contributing writer. She holds a Bachelor’s Degree in history, and she was the editor of the literary magazine, The Bluestone Review.

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

Full Bio →

Reviewed by Daniel Walker
Licensed Car Insurance Agent Daniel Walker

UPDATED: Jul 19, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We partner with top insurance providers. This doesn’t influence our content. Our opinions are our own.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Insurance is like a utility bill. If you don’t pay it, there are dire consequences. For example, you will be constantly under pressure when you are behind the wheel of a car. Your license, vehicle registration may be suspended and you will have fines to pay.

There are court fees, penalty for driving with an unpaid or defaulting insurance plan, and the need to get a new insurance plan if your current one refuses to handle your account anymore. This puts you under the category of “high risk” client and will mean a higher base rate.

On top of all these, you could have the insurance company sending collectors to your office and home. If payment is still not received or updated after a certain period, it goes into your credit record.

A better idea than non-payment would be to try and re-negotiate your insurance policy and request for a lower rate. The insurance company may be willing to talk to you about it but then it will be on a case-to-case basis.

Related Content:

Will my insurance cover a borrowed car?

Is there a way to make my auto insurance cheaper?