Ask an Agent
Have a question? We're here to help.
Ask an agent for free

Why is it so difficult to find insurance after a lapse in coverage?

We lost our home in a fire which resulted in some tough financial issues, and unfortunately, we lapsed on our car insurance by a couple of weeks. Now we can't find anyone who can insure us! We had an excellent record and history of coverage (no lapse in 13 years before this) with the same company for many years. Why is it so hard to find coverage after one small misstep?

Dec 26, 2023 New Prague, MN

Author profile picture

Nathan Foster

Agency Trainer

  • Licensed Insurance Agent - Property and Casualty

Nathan is an insurance professional with a focus on creating positive customer experiences with more than 10 years of industry experience.

Nathan tra…

Thank you for reaching out to The Zebra! I'm sorry to hear that you're having difficulty finding insurance after experiencing such a devastating event like losing your home. Auto insurance companies rate heavily on whether or not you have prior insurance or not. Any lapse in coverage (even that of a few weeks) is considered not having prior insurance. This can impact not only how much an insurance company will charge you, but will also impact whether or not they consider you an eligible customer. Some insurance companies require you to have prior insurance, with no lapse, to qualify with them. These are carriers we consider "standard" or "preferred" carriers in insurance.

Standard and preferred insurance companies typically offer better rates for customers. However, all is not lost! If you can get a policy and maintain it for 6 months, then you can qualify for cheaper options. My advice would be to get insurance through whatever company you can for the next 6 months, and then re-shop for insurance after 6 months to see if there are better available options for you.

Many different factors go into the rate you pay for car insurance, such as age, gender, and location, but maintaining proper coverage is key. Although it seems reasonable that after going through so much upheaval renewing your auto policy wasn't top of mind, you'll have to work a little harder to get back to where you were with insurance coverage — just remember that it's possible!

Give our agency a call at 888-444-8949 to get a personalized quote, or you can get a quote online through

Ask an Agent
Have a question? We're here to help.
Ask an agent for free

Insurance is complicated, but it doesn't have to be.

The Zebra searches all of the top insurance companies, in one place, so you can compare the cost and coverage you need to protect your car, home and other property.

Step 1: Tell us a little about yourself

Choose an insurance product and enter your zip code to get started.

Step 2: Sip your coffee while we find the best quotes

Enter the necessary information and then sit back while we find quotes from 100 top insurance carriers.

Icon Fill Form

Step 3: Compare your quotes

Compare quotes side-by-side to find the right match for you, whether it's home, auto, or more.

Icon Agent

Step 4: Let our agents do the hard work for you

Once you pick your policy, our agents are here to get you over the finish line. Then just relax and enjoy your savings.

Compare insurance rates today!

Location pin icon
No junk mail. No spam calls. Free quotes.

Related Questions

Other people are also asking...

If I am leasing a car and die before the end of the lease term, can I buy insurance to cover that?

For this situation I'd actually recommend getting a life insurance policy if this is something you are concerned about. To my knowledge, there is no type of auto insurance coverage that would help with the death of a policyholder.In general, dealing with car insurance when a policyholder dies …
Feb 2, 2019 Cleveland Heights, OH

Do I need storage coverage for my vehicle if it isn't running?

In Minnesota, if the vehicle is inoperable then you don't have to carry insurance. Storage insurance would provide physical damage coverage so your vehicle is protected while it is being stored, but it does not provide coverage to drive on the road which wouldn't make you legally complian…
Dec 2, 2016 Saint Paul, MN

Does a vehicle need car insurance if its in storage in Virginia?

In Virginia, if a vehicle is not registered, parked on private property, and not being driven, then it does not need to be insured. Virginia law does require that a vehicle be insured before it is registered, so you'll want to keep in mind if it starts getting used for more than just storage, …
Aug 31, 2016 Dumfries, VA

Where do I insure a car if I have two addresses?

Thanks for reaching out to The Zebra!I understand that you want to keep the car's warranties, but it's also important to keep the vehicle insured correctly (and insurance is mandatory in 49 out of 50 states). The short answer to your question is that you should insure the car at the addre…
Jun 26, 2018 Denver, CO