Auto and Car Insurance

Car insurance?

HI there, I have been without car insurance for about three years, I used to have continuous coverage but sold my car and used one of my girlfriends cars since then. But now I am going to buy / or finance another car. Will I face some sort of penalty, or increased insurance rates for not being insured these past few years, even though my driving record is immaculate and I am almost 30 and besides I had no car? Thank you.

Public Comments

1. No there will be no penalty. But you will start out with higher rates then someone who has had the same carrier for 3 or more years. and.. (here comes the soapbox).. consider yourself REALLY lucky (we won't comment on the wisdom aspect). A SINGLE accident could have ruined you and/or your girlfirend's financial future for a LONG time. And that doesn't me YOU being at fault.. just a single accident period. ok.. sermon over.. just keep that in mind next time you are tempted to be without it. .
2. you will most likely pay top dollar for your premium until you prove that you are a responsible client
3. More than likely you will not qualify for the best rates the insurance company can give. In order to qualify for the best rates you must have 6 months of continuous liability insurance without a lapse in coverage. If you have a good driving record the rates should not be too bad for you though. What state do you live in?