^ can confirm this. We're also with TDMM, and the insurance charge always occurs when policy renews, not when you call in to give payment information. They did tell me this since I started with them though, so I've never assumed it was anything else, and just lined up the renewal to fall within the min spend period. One more thing, I think it takes a couple days for the charge to actually happen so i wouldn't cut it too close either. Best to make sure your spend period ends at least 1 week after the insurance renewal date.