How Do I Get Auto Insurance After A Lapse In Coverage?
If you have let your auto insurance coverage lapse, it is not only against the law, but it will now be more difficult to find auto insurance. Below are the steps you should take in order to drive legally once again.
Make Sure Your Auto Insurance Lapsed and Wasn’t Canceled
The first thing you need to do is make sure that your auto insurance was lapsed. There is a big difference between your insurance being canceled or lapsed. You can check with your insurance company to see which one happened to you. If you find out the insurance was just canceled, it may be a better situation for you.
Look for Another Company
Next, you want to look for another auto insurance company. Be prepared to pay a lot more money out of your pocket for your premium than what you were used to. Also, be prepared to be denied by many auto insurance companies. Most companies will not want to give you service once you have let your insurance lapse. If you cannot find a company to deal with, you can contact your state, as they will refer you to auto insurance companies through the Assigned Risk Pool. This basically means you will get a company with much higher rates, but you be able to get the coverage you need.
Ways to Keep Rates Down
Once you let your insurance coverage lapse, you will now be labeled and be given very high premiums. However, there is a way to keep some of the rates down. For example, you could take a driving class and get a discount.
Don’t Repeat the Same Mistake
Finally, don’t repeat the same mistake twice. Learn from your past mistake and make sure you are always driving insured.
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- Can My Car Insurance Cancel My Policy?
- What Happens When My Car Insurance Lapses?
- Can They Cancel My Car Insurance If I Get A DUI?
