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So I've recently gone through a divorce and in the tumult of all that, I (and ex) let our car insurance coverage lapse. It certainly wasn't intentional, we just failed to be vigilant about it and sort it out before the coverage ended.<br><br>
So now we've been without coverage for just over a month, which happens to be the magic number when the insurance companies say that you have to start all over and pay extra high premiums to pay for your transgression.<br><br>
I was just given a quote for 6 months and it's more than $2,000 for ONE vehicle!!!!!!<br><br>
I have absolutely no idea what to do. On the one hand, I have to have insurance--both safety-wise and legally! On the other hand, I CANNOT afford to pay $2,200-something right now for car insurance. I mean I simply don't have that money.<br><br>
So does anyone know what people in situations like mine DO? How on earth do I go about paying for this insurance that I *have* to have when I can in no way afford it?<br><br>
TIA in advance for any suggestions!<br><br>
PS-In case it wasn't clear, when I refer to ex and I as "we" I'm talking about our old policy. Of course now we are going to get coverage separately, so he is not part of this equation.
 

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Have you tried Progressive? We were able to get coverage (decently priced) after lapsing.
 

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Call around for better rates. A brief explanation with the right tone of voice and an appropriate service rep might be very beneficial. <img alt="" class="inlineimg" src="http://www.mothering.com/discussions/images/smilies/winky.gif" style="border:0px solid;" title="Wink"><br><br>
If you have a Costco membership, they offer auto insurance through a company in certain states. It was very reasonable when I called, but our insurance is with State Farm and no other company has been able to beat it for the last 10+ years. I call 1-3 companies each year as due diligence. (Obviously, our situation is different from yours. I am just giving specific company names from my experience.)
 

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Call around.<br><br>
Also, if you just can't afford "full" coverage, ask for quotes on the minimum. You'll want to save a good-sized emergency fund, because it won't cover as much damage, but it might be a good temporary measure. Ours for two cars with minimum legal coverage is about $60/month. Even if that's triple for you because of your lapse, it'll be better than the quote you got.
 

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Another vote for call around. You would not believe how much a difference there is sometimes.
 

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Have you tried Geico?<br><br>
My car insurance was cancelled a couple years back due to a technicality and I ended up going with Geico. It's under $40 a month for full coverage.
 

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<div class="smallfont" style="margin-bottom:2px;">Quote:</div>
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<div>Originally Posted by <strong>rainbowmoon</strong> <a href="/community/forum/post/15420603"><img alt="View Post" class="inlineimg" src="/community/img/forum/go_quote.gif" style="border:0px solid;"></a></div>
<div style="font-style:italic;">Have you tried Geico?<br><br>
My car insurance was cancelled a couple years back due to a technicality and I ended up going with Geico. It's under $40 a month for full coverage.</div>
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</tr></table></div>
That's an amazing price!! We pay $60 a month for the minimum (liability only) on a 1996 car. No tickets, no accidents, this is after calling around, etc.<br><br>
Don't forget that some of the variation in car insurance costs has to do with where you live. We happen to live in a zip code with pretty high rates.
 
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