Premium Credit FAQs

As part of our Apron Relief Program, we are offering a premium credit to active personal auto customers.

How does the premium credit work? (NY auto customers see below*)

If you have an active personal auto policy at the end of April or May, there is nothing you need to do. We will calculate your credit at the end of each month, and you will see it in your online account a few weeks after that. Again, it’s all automatic.

What you need

To receive a credit of 20% of your April premium, a personal auto policy must be active at the end of April. Similarly, to receive a credit of 20% of May premium, a personal auto policy must be active at the end of May.

When you’ll get it

We’ll calculate the credit within a few weeks of the end of April and May. The credit will be received shortly after that.

How it’ll be applied

Once we’ve calculated the credit for a policy, we’ll automatically apply it to any outstanding balance or the next bill. And if you’re already paid in full, we’ll return the credit amount directly to your payment account or issue a check.

These credits are subject to approval by your state regulators.

*For NY customers: NY credits will be applied for premium of the months of May and June, instead of April and May. To receive a credit of 20% of your May premium, your personal auto policy must be active at the end of April. Similarly, to receive a credit of 20% of your June premium, your personal auto policy must be active at the end of May. Credits will be applied within a few weeks of the end of each month. It doesn’t matter when you purchased your policy—you will receive a 20% credit for the premium of those months, and it won’t be prorated. There’s nothing you need to do. We will automatically apply your credit to your policy.

Exactly how much will my premium credit be?

Because your premium can change throughout the month due to renewal or policy changes you request, we can’t tell you exactly what your credit will be until the end of the month. But you can get a sense of what your credit will be by taking 20% of your normal monthly premium.

For example, if your 6-month policy premium is normally $900, one month of premium would be roughly $150. In that situation, you’d be likely to receive a credit of $30 for April. Then, if your policy stays active, you’d receive an additional $30 for May. Keep in mind that unique policy and billing situations may apply. And if you bought a policy after the first of the month, your credit will be prorated—we’ll base it off of the amount of time you were insured with us that month.

Is there a minimum credit amount?

Yes. We will provide a minimum credit amount of $10 per policy per month. This means all eligible policies will receive at least a $10 credit for each month.

Do I have to ask to get the credit?

No, there is nothing you need to do. All credits will automatically be applied within a few weeks of the end of each month.

How will the credit be provided?

Credits will first be applied to any past due balances. If you don’t have any, then the credit will be applied to your next bill. Or, in the case that your renewal is in process, then your credit will be applied to your renewal payment.

If you’ve already paid in full, we’ll return the credit amount to you directly. If your most recent payment came from a personal credit card or bank account, we’ll return your credit to that same card or account. If you used a different payment method (like PayPal or Apple Pay), we’ll send you a check.

If you have decided to cancel your policy before your credit issues, then a check will be mailed to you in the amount of the credit.

How will I know when it’s been applied?

We suggest you download our mobile app to have the most up-to-date information on the status of your premium credit.

We will also inform you when your credit is applied in other ways, such as email. But you can always log into your account online or through our mobile app and see if the credit was applied within the billing section. The premium credit will show up as a “payment”.

What if I bought a policy in April or May?

You will still get a credit. If you bought a policy after the first of the month, your credit will be prorated—we’ll base it off of the amount of time you were insured with us that month.

New York policies will receive a credit for the full month and will not be prorated.

For more information, please call us or log in to your policy and chat.

What if I didn’t receive my credit?

If you think you qualify for a premium credit and haven’t yet received one, please confirm the following:

  • Make sure you meet all the criteria for a premium credit. See the "How does the premium credit work?" question above for details.
  • Log in and look at your billing history on our website or mobile app to make sure your credit is not listed.

If you still have questions, please call us at 1-800-776-4737 so we can take a look. Keep in mind that certain financial support options make your policy ineligible for a premium credit.