If you call a car insurance company for an auto insurance price quote, one of the first questions they ask you is if you have auto insurance now. When I was selling auto insurance, I had a person once reply to this question, “If I had auto insurance, why would I be calling you?”

At the time, the insurance company I worked for offered only standard auto insurance, so people not having current auto insurance without a lapse for the last 12 months, did not qualify. This was confusing, and seemed unfair to the person without car insurance calling me for a quote.

Some states consider it unfair, too, and do not allow insurance companies to decline to insure someone because they don’t have current auto insurance. However, these states are few in number, and in most states, requiring people to be currently & continuously insured for a period of time, before they qualify for a standard auto insurance policy, is not only legal, but a common practice.

This is not to say no insurance company will sell you auto insurance unless you have auto insurance. In most states you can buy nonstandard auto insurance, at higher rates than standard auto insurance.

You may say, “Just because you don’t have car insurance doesn’t make you a bad driver. Why should you have to pay higher auto insurance  rates!”  My blog post today will explain why many auto insurance companies have this rule.

As a group, people without insurance, or with a recent lapse in auto insurance, have more claims than those customers with continuous car insurance coverage.

Why do insurance companies like you to have a long, current insurance history?

Claims & moving violations happening in the most recent year are a stronger predictor of future claims than the year before it. Claims or tickets two years ago are statistically more important than claims or tickets 3 years ago, The older your claim & moving violation history, the less relevant it is considered as a predictor for you having a greater than average risk of having a future claim.

Auto insurance companies use your most recent 5 year history, or 3 year history if limited by state law. When you have had continuous auto insurance for this period of time, the insurance company knows the claims history report it orders on you is accurate.

For example, 2 years ago your auto insurance lapsed because you missed a few bills. You intend to reinstate your car insurance coverage, but in the mean time, you will just be very careful driving your car. Several months go by, and then you accidentally rear end another car which stopped suddenly in front of you.

There is about $800 of damage to the rear of the other car. The other driver asks for your auto insurance information. You explain your car insurance coverage has lapsed, but you will pay for the damage.

If you had car insurance, your insurance company would most likely be notified of the accident. This would create a paper trail, where if you apply for auto insurance with another company, the insurance company will know about the accident.

If you did not have car insurance, there would be no record of the accident. You would appear to have a clean claims history. But in truth, you have an unknown claims history. The insurance company does not have a verifiable claims record to determine the proper insurance rate to charge you. You are an unknown risk. Insurance companies avoid or charge much higher rates for unknown risks.

Now, if you had auto insurance for a small accident as described above, it could be possible to settle it directly with the other driver, to avoid insurance companies from finding out about it. This maneuver helps people with car insurance keep their claims history clean, but it is not a reason for an insurance company to take a chance on a driver without a current auto insurance history.

What if the reason why you don’t have a current insurance history is you haven’t owned a car, or your car has not been driven, or been out of service?

Even if it is not possible you are concealing accidents, insurance companies don’t consider your claims history verifiable without insurance, or being listed as a driver on an auto insurance policy.

Not driving for a period of time may mean rusty driving skills, which in itself creates a greater risk of claims. As noted above, drivers without a recent continuous car insurance history, as a statistical group, have more claims than those customers with a recent continuous auto insurance history. You may be able to prove there is no way you are concealing a negative claims history, but you are still a part of the higher risk group.

What is the best way to get lower auto insurance rates when you don’t have previous auto insurance?

Shop with all the leading auto insurance companies, and get quotes from any car insurance company willing to insure you. Insure with the auto insurance company with the best price, for the coverage you need, and an acceptable complaint history. Go to my website to find this information and the companies most likely to insure you.

Once you have 6 months of continuous auto insurance, shop again with all the leading insurance companies. Although most car insurance companies require one year of continuous insurance to qualify for standard rates, you may find one requiring only 6 months.

If you can’t find a better rate, don’t despair. Shop again after one year and, particularly if you have a clean three year driving record, you should be able to find much lower auto insurance rates.

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