I think I missed something here...if you paid for the month, and cancelled at the end of the month, then you shouldn't owe them, but then you mentioned something about another car being higher...oh well. I pay mine every 6 months, if I cancel before the 6 months is up, they owe me, If I cancel at the end of six months exactly I owe nothing, but if it carrys over even a day, I owe them...bills are bills and you must pay them, just be sure of your dates when contract took affect and when it is due...and cheap insurance everyone is just that, cheap insurance...don't crash! The Geico Gecko will get you....