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@tiglathpileser Well all insurance companies can see your insurance history when they run LexisNexis reports, so they'll all see you've had a lapse recently in the past year and that will affect the rate they offer you. It sucks, but it's basically a waiting game right now. When your policy...

@tiglathpileser Policies are typically re-rated at each renewal, not midterm. So if you're on a 6 month policy, it will be re-rated every 6 months. If it's an annual policy, every year. You typically see the best continuous insurance rate discount after 3 years, but you should start to see a...

@tiglathpileser The insurance market is MUCH worse now in 2024 than it was in 2019. In 2019 I was paying about $80/month for my 2014 Acura ILX. Now I'm paying $120/month. No tickets, no accidents, no lapse in coverage. My GF has a brand new 2024 Honda HR-V, has an at fault accident in 2022 and a...

@tiglathpileser The car is going to play a factor in the price, but I guarantee the vast majority of that price is your lapse. I write policies on a daily basis and see this often. Even a one day lapse nowadays can easily double your premium.

@tiglathpileser The lapse is the largest factor here. That will drive up your premium a lot. Keep an active policy and keep your record clean and your rate should drop significantly in a year or so.