I haven't had an active insurance policy for the past seven years after having several car accidents. Will it be hard to find good coverage?

I had terrible luck and was involved in several accidents about seven years ago. Due to the cost of insurance and car payments, I decided to get rid of my car. Now that I have good credit and can afford a car again, I learned not having insurance all this time will hurt me. Is that true?

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Shannon Martin
Answered on Apr 29, 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.
“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.”
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