If you choose to pay your premium on a monthly basis, the first month’s fees may appear higher than the subsequent monthly fees. This is because, depending on your state, we may apply both the standard policy fee and a billing installment fee in the first month. However, following the initial month, the policy fee is no longer applied, and you will only get charged for the monthly billing installment fee.

Please note that the policy fee remains consistent and is only charged in the first month (or when the annual payment is processed), which accounts for the difference in fees between the first month and subsequent months.