Your not being cheated. If you were late in January then they added the January payment to the February bill and billed for January and February. And, it sounds like your running a month behind in your payments so each payment is paying for last month.

Call and ask if you missed any payments going back to December. And, it is also possible that if you made a late payment they refunded it back to you. So, ask if any refund checks were sent to you. You can also ask for copies of your bills for the last 6 months. It is right on their computer and they can print them out and fax them to you or mail them to you or email them to you.
Then you can see what is happening. If the staff person does not know how to do that then ask for the Agent.

There is no reason to cancel. You just need your bill explained. And, their bills can be confusing.

I am not gonna say that I am totally sure about the answer.it is really depending on the personal mind.thus it would better for you to try to find the best answer yourself.Here   www.Autoinsurancepro.info   is a good resource for reference though.