Cool, thanks for the info guys, I hate insurance co's. I called mine to ask what the deal was, they were like"don't worry about that, it is automatically sent out" I asked why "I'm not late" She said that they do it (as I thought) to remind you that if you don't pay u will be cancelled (scare tactic) I asked why they thought I wouldn't pay, she didn't have a answer. Told her that I thought it was pretty darn unprofessional and that I don't like it one bit. Told her if I get one again, I'm gone, as that makes me nervous. If I did have a claim, which I never have, that they would back-peddle because I have a cancellation notice. Maybe I am reading into it more than I should, but I don't get sending a cancellation notice to someone who is ahead?