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Paying Your Insurance Bill

Company	Make a Payment
Aegis	1-800-233-2160
Pay Bill
Allied	1-800-282-1446 (Personal) 1-866-322-3214 (Business)
Pay Bill
American Bankers Flood Ins	1-800-423-4403
American Modern Home
Pay Bill
Auto-Owners/Owners	1-800-288-8740
Cincinnati Insurance Company
Pay Bill
Encompass Insurance Company	1-866-430-2916
Pay Bill
Equine Insurance Specialists
Pay Bill
Equispec
Pay Bill
Fireman's Fund (Farm & Ranch)	1-800-527-5787
Foremost Insurance Company
Pay Bill
Hagerty	1-877-922-9701
Hartford Flood	1-800-296-7542
Hartford Insurance Company
Montgomery Mutual	1-877-675-4411 Prompts 1-1-2 (Personal) 1-877-675-4411 Prompts 1-2-2 (Business)
Pay Bill
National Flood Insurance	1-800-638-6620
National Grange Mutual	1-800-611-0958
Pay Bill
Ohio Casualty	1-866-611-0958 Prompts 1-1-2 (Personal) 1-866-611-0958 Prompts 1-2-2 (Business)
Pay Bill
Old Dominion Insurance	1-800-611-0958
Pay Bill
Peerless Insurance	1-877-675-4411 Prompts 1-1-2 (Personal) 1-877-675-4411 Prompts 1-2-2 (Business)
Pay Bill
Progressive	1-800-PROGRESSIVE
Safeco	1-800-723-3260
Pay Bill
Selective Flood Insurance	1-800-747-3576
State Auto Insurance	1-800-444-9950 Opt 3
Pay Bill
Travelers AgriBusiness Insurance (Farms)	1-800-252-2268
Travelers Commercial	1-800-252-2268
Pay Bill
Travelers Personal	1-877-878-2468
Westfield Insurance (Agribusiness)	1-800-766-9133

Payment Due Date

• There are no "grace periods". A due date is a due date.
• Payment must be received by the company on or before the due date
• Policies expire at 12:01am on the renewal date; therefore, payments should be made before the renewal date.
• What happens if you do not pay before the due date?
• You will owe late fees.
• Your policy may go into a late payment status and you must pay by a specified date in order to avoid cancellation.
• You may receive a double bill, placing your policy in late pay status and requiring complete payment by the next billing date.
• Your policy may be rewritten with a lapse in coverage.
• Your policy may cancel terminating your coverage.
• If your policy cancels, the company may agree to reinstate coverage with a "no loss statement", however, you will need to contact your agent if your policy has cancelled.

Consequences of Cancelled Coverage

• Coverage will cease to exist.
• Coverage may be forced placed on property insured by a mortgage company or a finance company at a higher rate.
• SC DMV will place a fine on vehicles if the coverage is removed from a vehicle that still has a valid license plate on the vehicle.

Consider Different Payment Methods

• Monthly Electronic Funds Transfer from your checking account or credit card.
• Semi Annual or Quarterly Payments. Some companies will also allow EFT for these payments.
• Annual payments. Some companies have a paid in full discount. (Paid in Full Discounts are only available to the insured not the mortgage company as it is a third party payor)

How You Can Decrease Your Premiums

• Pay your premium on time. Late payments incur late fees.
• Consider higher deductibles.
• Consult your agent before filing small claims as you may lose loss free discounts.
• Periodically have an insurance check up and discuss coverage and discounts available.
• Realize premiums are calculated by using statistics and consider the risk factors. The higher the risk, the higher the premium. (Youthful drivers will pay more to drive a sports car.)

 

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