SarahsotaPa

2 Contributions 24 People Helped

Member Since: January 2014

Most Helpful Contribution

How to get a decent price after not having insurance for awhile?

Feb 25, 2014
Insurance Agent Response
Helpful to 16 out of 16 people

I would recommend checking with an independent agency that represents many insurance companies. Some companies will give you a break on the rates if you were "innocent without prior" meaning you didn't have insurance because you didn't legally need it.

Having said that, however, in several (if not most) states if the car was registered at the time that your insurance lapsed, you were probably still legally required to carry insurance on it. Unfortunately there is not much you can do but pay a little more for a while. If, however, you were not legally required to provide insurance on the car according to your state laws, you could very likely be in luck and be able to reap the benefits of "innocent without prior."

Worst case scenario, you have to go with a substandard company or a direct writing company for a year while you rebuild your insurance history. Once you have a solid year of continuous insurance coverage under your belt, you'll be eligible for many other standard companies with lower rates.

Good luck!

Activity (2 Total Contributions)

How to get a decent price after not having insurance for awhile?

Feb 25, 2014
Insurance Agent Response
Helpful to 16 out of 16 people

I would recommend checking with an independent agency that represents many insurance companies. Some companies will give you a break on the rates if you were "innocent without prior" meaning you didn't have insurance because you didn't legally need it.

Having said that, however, in several (if not most) states if the car was registered at the time that your insurance lapsed, you were probably still legally required to carry insurance on it. Unfortunately there is not much you can do but pay a little more for a while. If, however, you were not legally required to provide insurance on the car according to your state laws, you could very likely be in luck and be able to reap the benefits of "innocent without prior."

Worst case scenario, you have to go with a substandard company or a direct writing company for a year while you rebuild your insurance history. Once you have a solid year of continuous insurance coverage under your belt, you'll be eligible for many other standard companies with lower rates.

Good luck!

Will getting an insurance quote count as a hard inquiry?

Feb 25, 2014
An Insurance Agent's Perspective
Helpful to 8 out of 8 people

An insurance report used for quoting your home or auto insurance is a soft hit, not a hard hit. There is no limit to how many quotes you can get in any specific period of time.