1) It is better to have all drivers listed
Examine your policy thoroughly on each renewal to be sure that all licensed drivers of your vehicle are listed and shown on the policy.
For instance - The auto and insurance is shown in the husbands name yet no where on the policy is the wife's name even mentioned though she has driven for 20 years crash free. What if she receives another auto and has no previous insurance experience to present? There is another area of concern with drivers 25 yrs old. People might believe they are saving money by not presenting them as drivers. But what happens when they do receive their own vehicle and can't demonstrate accident free insurance experience. It's just a matter of time and they will receive their own car.

2) Payment Cancellations.  
It is good to pay on time for your auto insurance. Cancellations for non payment, non adequate fund cancellations are undesirable and can cost much to you. Be responsible and if you have a cancellation problem act instantly with your broker to decide it. Don't set aside it!