I am 24 years old and I had my first small accident about 6 months back. I recently had a lapse that I was not aware of at the time. I am now asking around but cant get any quotes that aren’t at least 4x the 91 I was paying before. Can I get the minimum required auto insurance to make that payment a little less? Or with the accident claim is that unlikely to help. I just need to find something cheaper with the now accident claim and lapse.