Continuous Coverage

Insurance carriers reward continuous coverage with progressively better rates. Even a single day's lapse in coverage can move you from a 'preferred' tier to 'standard' or 'non-standard' at renewal, costing hundreds of dollars more per year. If you're switching carriers, bind the new policy first, then cancel the old one — never the other way around. For drivers under SR-22, a coverage lapse can also restart the state's required filing period.