Eligibility

Do I have to keep car insurance if I don't have a vehicle or title?

Hello, You do not have to have insurance if you do not own or are not driving a car. With that being said, having a lapse in insurance will cause your rates to be higher once you do start a new policy.

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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.

Coverage & Claims

After an auto accident where my car was totaled, can I change my coverage from full to liability only to keep my rates down?.

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.

Eligibility

If my insurance company back pays upon cancellation will it look like a gap in my coverage?

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

If I have a gap in insurance, is it better to join my girlfriend's car insurance?

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

28yo new driver needs liability insurance

Having prior insurance as a rating factor tells the insurance a few things. One, will you be able to maintain a policy?
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