General Insurance

I had an accidental ten day lapse between insurance carriers. How long will I be penalized for lapse?

You will have to have had your car insurance for a continuous six months in order to cease being penalized with a higher rate and get credit for having insurance — which should help your rate come down. See this guide to understand how and why a lapse in coverage impacts your premium.

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Eligibility

Am I required to purchase two years worth of auto insurance to obtain two years of proof (SR-22)?

You must maintain insurance continuously for your SR-22 to be effective. An SR-22 is a filing with that state that informs them when you have insurance and when the policy cancels.

General Insurance

Does auto insurance charge you based on assumption of travel?

Insurance companies will ask you approximately how many miles you drive but it is not a rating factor for premiums except in the state of California. California rates on mileage because they see it as a determining factor in how likely you are to get into an accident.

General Insurance

Why does your fico score impact your insurance rate?

A credit score is a section of the overall "insurance score" that partially determines your insurance premium. The reason credit is used to determine rates in most states is due to the correlation between a driver's score and their likelihood to file a claim.
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