Finance companies usually require you to have insurance on your car while you are making payments. Companies can back charge you for not having insurance - which is essentially called Collateral Protection. This is usually added to your car payments. For the specific details and rules, I would speak directly to your finance company. If you need a new insurance policy, we can quote you with several carriers at thezebra.com. You can also give us a call at 833-768-7789. Good luck and if you have any other questions, don't hesitate to ask.