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Opting an auto insurance is compulsory if you are buying certain kinds of vehicles, under which your initial premium will be added to your vehicle's cost and subsequent premiums can be paid either online or offline. Generally, any auto insurance will stay active only for six months or a year; your insurance provider will intimate you before the expiry of a particular policy. You can renew the policy if you want to continue with the same one or else you can go to a different service provider. There is an option of modifying a particular policy as per your requirement. You can add few more benefits to the existing policy for a minimum additional premium. These additional benefits are termed as riders which are intended to protect you from any additional distresses.