Frequently Asked Questions

We know insurance can be confusing. To help you make a clear decision when it comes to selecting the right coverage, our insurance experts provide answers to some of the most commonly asked questions.

Billing

DIRECT BILL COMMERCIAL LINES

Automatic Payment Options (paid directly from your checking or savings account)

Description Term Length Minimum Premium Required Down Payment % Required Future Payments
Full-Pay 12 None 100%  
4-Pay 12 None 25% 3 equal installments at 90-day intervals
11-Pay (AZ - see below) 12 None 9.1% 10 equal installments at 30-day intervals

 

Installment Plans (paid by check or money order)

Description Term Length Minimum Premium Required Down Payment % Required Future Payments
2-Pay 12 500 50% 1 installment due in 5 months
3-Pay 12 None 40% 2 equal installments at 30-day intervals
4-Pay 12 1,000 25% 25% in 80 days, 25% in 170 days, and 25% in 260 days
5-Pay 12 401 20% 4 equal installments at 30-day intervals
9-Pay 12 2,501 20% 8 equal installments at 30-day intervals
11-Pay 12 3,000 15% 10 equal installments at 30-day intervals

 

  • Installment Plans include a $5 service charge per installment (no service charge on down payments for Nebraska and Tennessee).
  • An application may be submitted without cash. In this case, policyholders will be billed directly for the down payment.
  • A $20 reactivation fee will be applied to a policy that has lapsed due to nonpayment of premium more than one time.
  • A $25 ($20 in Arizona and Tennessee) fee will be assessed when any premium payment is returned by the bank due to non-sufficient funds (NSF).
  • New business future payment 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may be taken from the agency's account, insured's checking/savings account, or insured's credit card and will be withdrawn/charged after a minimum of 48 hours.
  • Automatic Payment Option
  1. No service charge if the Full-Pay option is chosen. Automatic payments withdrawn from checking or savings in installments include a $2 service charge.
  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 (monthly or quarterly). Choosing withdrawal date is not an option.
  4. At renewal, thirteen days 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-517) form. This form can be found on the ACUITY Website in Agency Resources under Agency Supplies - Category: Other Forms.

 

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

Description Term Length Minimum Premium Required Down Payment % Required Future Payments
2-Pay 12 1,000 50% 1 installment due in 6 months
4-Pay 12 1,000 25% 3 equal installments at 90-day intervals
10-Pay 12 1,000 15% 9 equal installments at 30-day intervals
  • All installments include a $5 service charge per installment (no service charge 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.

Automatic Payment Options (paid directly from your checking, savings, or Mastercard/Visa)

Description Term Length Minimum Premium Required Down Payment % Required Future Payments
Full-Pay 6 & 12 None 100%  
Monthly
6-Pay
6 None 16.7% 5 equal monthly installments
Quarterly
4-Pay
12 None 25% 3 equal quarterly installments
Monthly
12-Pay
12 None 8.3% 11 equal monthly installments

 

Installment Plans (paid by check or money order)

Description Term Length Minimum Premium Required Down Payment % Required Future Payments
2-Pay 12 500 50% 1 installment due in 5 months
3-Pay 6 & 12 None 40% 2 equal installments at 30-day intervals
4-Pay 12 500 25% 25% in 80 days, 25% in 170 days, and 25% in 260 days
5-Pay 12 150 20% 4 equal installments at 30-day intervals
11-Pay 12 1,000 15% 10 equal installments at 30-day intervals

 

  • Installment Plans include a $4 service charge per installment. (No service charge on down payments for Nebraska and Tennessee.)
  • Deposit premium with new applications is required.
  • A $20 reactivation fee will be applied to a policy that has lapsed due to nonpayment of premium more than one time.
  • A $25 ($20 in Arizona, Indiana and Tennessee) fee will be assessed when any premium payment is returned by the bank due to non-sufficient funds (NSF).
  • New business future payment 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 checking/savings account, or insured's credit card and will be withdrawn/charged after a minimum of 48 hours.
  • Automatic Payment Option
  1. Monthly or quarterly automatic payments withdrawn from checking or savings include a $2 service charge.
  2. Monthly or quarterly automatic payments charged to a credit card include a $4 service charge. (No service charge for Kansas.)
  3. No service charge if the Full-Pay option is chosen.
  4. 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 (monthly or quarterly). Choosing withdrawal date is not an option.
  5. To enroll, complete the Personal Lines Automatic Payment Option Authorization (S-312) form. This form can be found on the ACUITY Website in Agency Resources under Agency Supplies - Category: Other Forms.

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 one time payment without logging in. To pay over the phone, call billing at 800.242.7666 ext. 5511. Representatives are available Monday through Friday, 7:30 a.m. to 5:00 p.m. (CST).


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


If you have an online account with us, you can view your current balance on the Customer Care page. 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 then show the amount currently due if any.


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 plan will still apply. 


Payments will be applied to your policy the same day they are received. Payments entered or made after 5:00 p.m. (CST) will be considered received the next business day.


Your policy number can be found on the "Payment Remittance" portion of your bill next to the due date.  Or, you can also find your policy number on your vehicle ID cards.


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


Not exactly. However, you can always view your billing activity in your billing history on the Customer Care page. 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.


Payment reminders via email are unavailable at this time.


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.


Contact your agent for more details on policy reinstatement.


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


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


If this is the first insufficient funds for your payment, we will attempt another withdrawal for the payment.


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 print a copy of your insurance cards from our website by signing in, going to the Policy Info section, selecting View Policy Print and then choosing either your New Business policy or Renewal policy.


To help make sure we receive your payment on time, we recommend mailing your payment 7 to 10 business days before your payment due date.