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How to get a decent price after not having insurance for awhile?
I have a car that I make a $267.00 payment on. Well after driving over a curb the drive shaft on the car was bent. I couldn't drive it at speeds over 10mph without it shaking violently.

Due to some medical issues and medical bills I put off fixing my car and it sat broke down in a garage for at least 6 months so I decided to take the insurance off of the car because i needed the money and knew the car would not be driven for awhile.

Fast forward to now I finally have it fixed. I went online to get quotes but the price to insure it now went from what was already a ridiculous amount to double.

Why? is there anything I can do? I do not want to pay almost $200 when I really only drive approx less than 50 miles per month anyways.

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no vehicle no insurance

Helpful to 3 out of 3 people

I haven't had a vehicle for 3years so I have no reason for ins so why should it effect my credit score.

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Tips from an insurance agent

Helpful to 30 out of 34 people

I work for a well known insurance company, and unfortunatly, there isn't much you can do with the gap in the insurance coverage.  Believe me, if i have to talk to someone who has to pay higher rates because of this, I feel bad.  Especially when they don't have a car or anything they need to insure.  The best thing I can tell you is to try to keep your policy active.  Even if you don't have a car.  Or possibly look into a non owners policy.  Another idea is if your parents or relative can put you on their insurance so you don't have that gap, and when you get a vehicle, you can get your own policy.  Don't let someone cover you and your vehicle if you do not live with them though.  That is insurance fraud and you can get into some trouble with that.  Other than that, the best rates will go to those who maintain insurance for 6 or more years without a gap in coverage.  6 months of cont. insurance coverage helps, but not by a big difference.  If you can get a year, at least of cont. insurance coverage, then shop around for better rate.  Insurance companies can't match your quote, but at least it will allow you to get other insurance elsewhere without having to pay the higher rates.  And one HUGE rating factor for credit. If you have poor credit, you will pay a HIGH amount for insurance.  So if at all possible, try to keep your score up.  Another idea is if you have insurance, but bought it when your credit wasn't the greatest, call the carrier to see if they will repull it and give you a better rate.  They can't do this in all states when requested, but some allow it.  I know the company I work for does it every year or 2 automatically depending on the state.  The bright side is that there are only a few states that will raise your rate after the fact.  if your credit gets worse, it doesn't usually effect the premium at renewals.  But never hurts to call in and ask about it.  Hope this helps.  :)

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Enter Your Reply Is there some sort of help for this situation?  I'm in the same boat.  I have 5 teenagers in a blended family.  I had to take in my husband's children because mom went to jail and I already had 3.  Then I got my real estate license and 2 months later my husband was laid off work 2 weeks before Christmas.  Then 2 months later he got work and 3 months after that he had a gallblader rupture and sepsi and gain green trying to work through the pain.  He was out of work 3 months.  Went back to work and less than a year the job ended and was laid off again.  2 months he went back to work.  This time not at a nuclear plant but something more steady and I be darn if he didn't cut his finger off and now he's back to not being able to work for 3 more weeks.  I've basically been barely able to stay afloat but to do so I couldn't pay something and that was the thing.  I was already paying $500 a month ins. and $500 a month car payment.  I've been driving in a car that's got the heat stuck on in !00 degree temps.  I have no idea what to do now.  I currently up to this point have gotten no government help though so I'm proud of that.  It's only by the grace of God I still have a home and all of my utilities are paid.

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Helpful to 13 out of 14 people

I feel credit rating should not be a factor. It is used by businesses as an opportunity to stick it to the poor.....again. Those struggling should need to pay less, not more. Total insult to people doing their best. Insurance companies are simply organized crime. 

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Helpful to 4 out of 6 people

Go to State Farm - they will make you jump through hoops to verify that you were not driving uninsured but as long as you can prove that they dont surcharge for insurance gaps like other companies do.   However, if you have driven uninsured, they will not accept you until you have been insured somewhere else for at least 6 months.

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I’d like to share my story too. Just a few weeks ago i was homeless, i was jilted by my online lover. and he had robbed me of everything i had. By the time i realized i was being played, my credit score was already 458 , i had an eviction on my report and a large debt on my credit. I was on my way to the little corner behind the store where i normally sleep when i saw a fellow homeless person who i met some days ago and he was looking so changed and successful. I immediately began to beg him to tell me how he made it so fast and because i had told him my story when we previously met, he understood my problem and gave me the contact of the hacker that helped him. i contacted the programmer (ex FICO and Experian agent) and he fixed my credit, raised my credit score and cleared all negative listings on my credit in less than 9 days. I would have kept quiet about this, but i won't be able to forgive myself for not helping people who are in terrible conditions like i was. "gmorrison741 @ g m a i l . c o m" is the programmer's email address. I wish you good-luck. Y’all can thank me later. 

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Just Shop

Helpful to 26 out of 26 people

I went through a similar situation myself. I finally realized that without having insurance in the past 30 days, my options were limited. Understanding this, I shopped around online to find the cheapest, least amount of insurance coverage required by my state. I ended up going with Esurance, initially. After my 6-month policy was up, I shopped again, this time being offered a better deal by progressive for much more coverage.

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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!

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