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Insurance companies do not care why you do not currently have an auto insurance policy (there are many different reasons), but it will impact your auto insurance rate. Below are some things to know and some tips if you do not currently have auto insurance.

  • Expect a higher rate
    At least initially insurance companies will charge you more for your lack of auto insurance history.
  • Shop around!
    Different companies have different rates for customers without auto insurance. Find the one that has the lowest rate and meets your insurance needs.
  • When your policy is about to expire, shop around again!
    Once you have had insurance for six months you have established your insurance history. Shop around again! Often your current insurance carrier will not eliminate the extra charge they added for not having insurance when you bought your policy. By shopping around you can eliminate this charge with a new provider!
  • Know what to look for!
    Check out the Quote Helpers Buying tips to make sure you buy the policy that is right for you. Use the Quote Helpers comparison of insurance providers to find the auto insurance company that is right for you.
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