Reader’s Question:

My auto insurance has been canceled in the past due to non-payment, am I required to pay the entire car insurance premium up front?

Jim

Gilbert, AZ

You might have to pay your whole auto insurance up front, instead of financing or making payments along the way, if you have had a lapse of coverage. This will depend upon the underwriting rules of the car insurance company you are trying to get insurance with and if you will be required to make a payment in full for your next car insurance policy.

You may in fact be required in Arizona to pay in full and have your car insurance agent file a financial requirement certificate or SR22. Some states require a six month paid in full if you have allowed your car insurance to lapse. The Financial Responsibility certificate is referred to as an SR22 in Arizona.