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?

Answer provided by
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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