“Having a lapse in insurance will negatively impact your rate. Once you start a new car insurance policy and build an insurance history again, the lapse will no longer be a factor.
Credit can be a rating factor in some states, and it may help you get a lower insurance premium. Another way to save on your policy is with discounts. Make sure to take advantage of all the discounts you can, including:
- Defensive driving discount
- Vehicle safety features discount
- Club and alumni affiliations discount
- Multi-policy discount
- Telematics discount
Also, make sure you get an insurance policy that is priced well for you with the coverage that you need. An intelligent AI-based tool like Jerry is the easiest and the most effective way to find a car insurance policy that is customized for you.”