Frequently Asked Questions

Automatic Payment Options (paid directly from your bank account or credit card)

Direct Bill Payment Options (paid by check or money order)

• Direct Bill Payment Options include a $5 installment fee per installment (no installment fee on down payments for Georgia and Tennessee).
• Applications must be submitted with a down payment.
• A $20 reactivation fee will be applied to a policy that has lapsed due to nonpayment of premium.
• A $25 ($20 in Colorado, Idaho, and Utah) fee will be assessed when any premium payment is returned by the bank due to non-sufficient funds (NSF).
• New business future installments assume policy was issued on or before effective date. If policy is issued after the effective date, the number of installments is determined by the number of months remaining in the term.
• Down payment may be taken from the agency’s account, insured’s bank account, or insured’s credit card and will be withdrawn/charged after a minimum of 48 hours.
• Automatic Payment Option
  • Automatic payments withdrawn from checking or savings include a $2 installment fee.
  • Automatic payments charged to a credit card include a $5 installment fee ($2 installment fee for Kansas).
  • No installment if the 1-Pay option is chosen.
  • Withdrawals are processed on the effective date of the policy for new business and renewals. Subsequent withdrawals are processed on the anniversary of the effective date as indicated. Choosing withdrawal date is not an option.
  • To enroll, complete the Personal Lines Automatic Payment Option Authorization (S-623PL) form. Insured can sign-up online, in the Billing Portal, at acuity.com.

• 11-Pay and 12-Pay payment plans are not available in AR, GA, IA, or TX.

DIRECT BILL COMMERCIAL LINES

Automatic Payment Options (paid directly from your bank account)

*For Arizona only, the 12-Pay option is available with an 8.3% down payment and 11 equal installments at 30-day intervals. 11-Pay option is not available.

Direct Bill Payment Options (paid by check or money order)

• Direct Bill Payment Options include a $7 installment fee per installment (no installment fee on down payments for Nebraska, New Hampshire, and Tennessee).
• An application may be submitted without cash. In this case, policyholders will be billed directly for the down payment.
• A $25 reactivation fee will be applied to a policy that has lapsed due to nonpayment of premium.
• A $25 ($20 in Colorado, Idaho, and Utah) fee will be assessed when any premium payment is returned by the bank due to non-sufficient funds (NSF).
• New business future installments assume policy was issued on or before effective date. If policy is issued after the effective date, the number of installments is determined by the number of months remaining in the term.
• Down payments may be taken from the agency's account, insured's bank account, or insured's credit card and will be withdrawn/charged after a minimum of 48 hours.
• Automatic Payment Option

1. No installment fee if the 1-Pay option is chosen. Automatic payments withdrawn from checking or savings in installments include a $2 installment fee.
2. For Arizona only, 12-Pay option is available with an 8.3% down payment and 11 equal installments at 30-day intervals. 11-Pay option is not available.
3. Withdrawals are processed on the effective date of the policy for new business and renewals. Subsequent withdrawals are processed on the anniversary of the effective date as indicated. Choosing withdrawal date is not an option.
4. At renewal, 13days notice (30 days for Tennessee) is given before the first withdrawal is processed for the item.
5. To enroll, complete the Commercial Lines Automatic Payment Option Authorization (S-623CL) form. Insured can sign-up online, in the Billing Portal, at acuity.com.

AGENCY BILL COMMERCIAL LINES

New business, renewals, audits, and endorsements billed in full to the monthly agency statement, unless Agency Bill Deferred selected.

Agency Bill Deferred

• All installments include a $7 installment fee per installment (no installment fee on down payments for Nebraska and Tennessee).
• Minimum premium of $2,000 required.
• Minimum of $1,000 per installment required.
• Down payment must be paid in the month the policy is effective or processed, whichever is later.
• Future premium charges and additions including audit and reporting form premiums will be billed to the agency account in the usual manner. These amounts may not be deferred.

Yes! We provide multiple ways to pay your bill.

• You can pay online by logging into your account or use your Policy Number, ZIP code, and Agency Code to make a payment without logging in.
• You can pay over the phone by calling billing at 800.242.7666 ext. 5511. Representatives are available Monday through Friday, 7 a.m. to 6 p.m. (CST).

No. Its easy to make a payment. All you need is your Policy Number, Zip Code, and Agency Code.

Never. We will not charge additional fees to pay online or by phone. However, standard installment fees outlined in your pay plan will still apply. 

For security reasons, only you can make an online or phone payment.

If you have an online account with us, you can view your current balance on the Billing Portal. If you have not registered for an account online, select Pay My Bill and enter your Policy Number, Zip Code, and Agency Code. The next screen will show the amount currently due, if any.

Payments will be applied to your policy the same day they are received. Payments entered or made after 6:00 p.m. (CST) will be considered received the next business day.

Unfortunately, payment due dates are based on the effective date of your policy and cannot be changed.  If you would like to discuss different payment options, please call billing at 800.242.7666 ext. 5511.

Sorry, withdrawals are based on the effective date of your policy and cannot be changed.

Please call billing at 800.242.7666 ext. 5511 to request a stop on your automatic payment option. From there we can discuss other options.

You can update bank account and credit card information in the Billing Portal at acuity.com.

We will submit the request for payment after midnight on your policy's payment date. It can take up to 3 days for your bank to process the payment.

• For policies with Direct Bill Payment Options, a bill or notice of cancellation may be sent if your payment is returned due to insufficient funds.
• For policies with Automatic Payment Options, the policy will be placed on Direct Bill Payment Options and a bill or cancellation notice may be sent. Please call billing at 800.242.7666 ext. 5511 to discuss options.

No.  Policies are billed and must be paid separately.  Each payment should include the identifying policy number.

Your policy number can be found on several documents, including:

• The "Payment Remittance" portion of your bill, next to the due date
• Your vehicle ID cards
• Your policy declaration page

Not exactly. However, you can always view your billing activity in your billing history on the Billing Portal. Or, if you are a personal insurance policyholder you can sign up for email notifications when your bills and/or policy documents are available to view.

Yes, you can sign up for payment reminders with your online account. Create an account to get started. Already have an account? Visit My Account. Reminders are sent 5 days prior to your payment due date.

You can discuss payment options by calling billing at 800.242.7666 ext. 5511.

Contact your agent for more details on policy reinstatement.

To help make sure we receive your payment on time, we recommend mailing your payment a minimum of 10 business days before your payment due date.