“While there are many different factors that go into determining car insurance rates, one that most carriers look at is prior insurance. Many carriers offer a discount for being continuously insured.
Since you haven’t had insurance for six months, insurance carriers deem this to be a lapse in coverage, which impacts your rates. It can also take three to five years before any accidents or violations stop impacting your rates.
Although it’s frustrating to see an increase in your car insurance rates, it is possible to find cheap car insurance
You should continue to shop around with other carriers. You’ll want to check with larger carriers as well as smaller regional ones. They may be able to find you a better rate than what you’re currently being quoted.
Once you’ve been insured continuously for six months with no accidents or violations, you should start to see your rate decrease.