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I had the same problem with those semi annual and annual insurance premiums. Most insurance companies will let you pay monthly but it costs so much more it isn't worth it. I finally found an insurance company (State Farm) that will allow me to pay monthly and enjoy the same rate as if I paid every 6 months. Well, it costs me $1 a month to pay this way, but it is well worth the $1 to have a regular amount I can budget for. I have my car and renter's insurance through them now, and it is one monthly payment. State Farm has a great web site for getting quotes too, and they break it down by monthly and semi annual amounts. Best of all, they had really good rates - better than Progressive.