Coverage & Claims Do I need to maintain an SR-22 even if I'm outside the United States for a few months?
Hello, If you continue to pay your insurance premium, your insurance and SR-22 will not be in jeopardy because you are abroad. However, if you don't pay your bill and let your policy expire, your coverage will be cancelled along with with your SR-22.
Most Recent Coverage & Claims
Yes, you can downgrade your coverage to liability only until you get a new car. It is true that you should maintain coverage if you plan on getting a new car soon in order to keep the rates down.
Your new insurance company will not make you back pay when you start your policy. However, having a lapse in coverage does increase the rates.
Coverage & Claims
It's certainly possible that being added to your girlfriend's policy could be cheaper. For instance, if you live with your girlfriend and she has an established policy (and a good driving record) she will likely have a better rate for having continuous insurance.
Car Insurance Costs
Having prior insurance as a rating factor tells the insurance a few things. One, will you be able to maintain a policy?