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Car insurance rate went up after leaving the country

I went out of the country for a few months and stuck my car in storage and canceled coverage. Why did my insurance go up as a result? I talked to my agent beforehand and they said it shouldn’t matter but when I came home and tried to reinstate the coverage it ended up being $50 more a month. the agent couldn’t tell me why so I canceled my policy and found an option that was cheaper, but still more expensive than before.

Agent Answer

Ava Lynch

One of the big rating factors companies look at is whether or not you are currently insured and have been for the past six months. When you canceled your policy to go out of the country, this caused a lapse in coverage. This means you have not been insured continuously for the last six months. The longer you have insurance continuously, the better your rates will be.

Time with company Average Annual Premium
0 $4,046
6 Months $1,488


Once you have had your insurance again for six months, you will start getting credit for continuous insurance which will help get your rate back down. Sorry, you were given incorrect information before you canceled your policy. There could be other things impacting your rate as well. For more information on car insurance rates, see our guide here.

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