Thanks for your question.
Many insurance companies will charge you a monthly payment charge. Some insurance companies will charge you to mail you a bill.
In really general terms, it is usually cheapest to pay the entire period at once. The next least expensive option is get payments set up by auto pay. The most expensive option is to get a physical bill that you write a check for each month.
There really is no unified way that this is done. Many insurance companies have lots and lots of ways of setting up the payment mode: Yearly, Semi, Quarterly, Monthly, and occassionall you see the ten pay. Other insurance companies will only offer you Yearly and Monthly.
As a rule of thumb, as an insurance broker, I always try and find out for my clients the cost difference between paying the entire thing at once vs. monthly auto pay.
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