How can I get car insurance after getting denied for coverage?
I did not have a car or insurance for more than a year. I have a car now, but can’t get insurance. I keep getting denied from insurance companies because of my previous claims and lapse in coverage. How can I find insurance?
Answer provided by
Answered on Apr 26, 2021
Shannon is an expert in personal lines liability insurance with 13 + years of insurance industry experience. She also served as a special insurance liaison to AARP members for 6 of those years. She is a graduate of UL Lafayette and currently resides in NY with her family. Shannon is also an amateur juggler, ukulele player, and is a time travel paradox theory enthusiast.
“That sounds like a tough situation. Even though your options are limited right now, your prospects can be improved.
The first thing you should do is contact your previous insurance company or companies and request a history report of all the claims that have been submitted under your policy. Review the report(s) for accuracy and dispute anything that is incorrectly reported.
The next thing you should do is use an insurance broker to get as many quotes from as many companies as you can to increase your chances of finding a good rate.
Keep the insurance from lapsing for at least six months and maintain a good driving record. After six months, you may be able to get lower premiums.
If you want cheap car insurance quotes fast, go to Jerry. A licensed broker that offers end-to-end support, the free Jerry app gathers affordable quotes, helps you switch plans, and even cancels your old policy for you.”
Did this answer help you?
Ask us a question by email and we will respond within a few days.
Have a different question?
You can meet us at our office and discuss the details of your question.
Browse by topics
What others are asking
In what order should I handle license, registration, and car insurance after an out-of-state move?
I moved from Oregon to Idaho and I don’t know what order to follow when changing my insurance, driver's license, and registration. How do I do it?
Apr 26, 2021
Should I pay my auto loan off before I trade my Subaru Outback in?
"I want to finance a new car, but I currently have a car loan. There's still $11,000 left on the loan, and it will be upside-down for at least the next 18 months. Should I pay my car loan off or down before I trade my Outback in?"
Jun 15, 2021
Why do I need health-care coverage and medical payments coverage?
"I have good health insurance and $5,000 medical payments coverage with my car insurance company. I don't really know why I need medical payments coverage if I have health insurance. Wouldn't my health insurance just cover my injuries?"
May 18, 2021