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How much will a long lapse in my car insurance coverage cost me (on average) when I try to get inusrance again

By car insurance | 5 Comments

And by long I mean between 6-12 months.

  1. Comment by pokerfaces55
    March 8, 2010 @ 3:36 am

    laps in coverage generally but not as a rule cost about as much as a new contract ..
    most companies discount to customers who stay with them over a period of time..

    mite get a break if you go back to that same company

  2. Comment by Dale (aka drc40m)
    March 8, 2010 @ 3:53 am

    well that depends on what car you have ,what insurance company you go with and if it is full coverage or just the cheapest insurance.. you will most likely be put in a high risk insurance rate for the first 6 months you have your insurance then it should go down again…

  3. Comment by House Elf
    March 8, 2010 @ 3:55 am

    I assume you mean how much will it cost with the DMV – my state law requires that you have continuous liability insurance. A lapse would cost you a fine and possibly even the surrender of your license plate (which means parking your car and not driving until the revocation is over). You should check with your state DMV office to see what the fees are and if your license plate has been revoked for a lapse in liability insurance coverage. Your insurance company would have dropped your coverage and would not go back in time and cover you during the lapsed period. How would they know you haven’t had an accident and gotten your vehicle repaired, etc….. When you go to get a new policy the price would depend not on the lapse but your driving record and the vehicle you are trying to put insurance on.

  4. Comment by provider
    March 8, 2010 @ 3:58 am

    It depends on the car insurance company that youre engage. You can try to visit this cheap car insurance site http://www.nightbirdssolutions.com for some car insurance company that offering a much cheaper car insurance rate.Goodluck

  5. Comment by yakdude89
    March 8, 2010 @ 4:07 am

    In some states, not having continuous coverage for the past 3-6 years places you in the “high risk” category. In others, like Massachusetts, it doesn’t matter, as long as you pay the deposit, etc, which you’d have to do anyway.

    I’m guessing you don’t live in Mass, so you’ll be looking at higher rates for the next 3-6 years than if you had kept coverage.

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