How to get auto insurance quotes?

Contact insurance providers directly, use online comparison tools, or work with an insurance broker to receive multiple quotes tailored to your needs.

Prior insurance matters because it shows that you have a history of being insured. If you have had continuous insurance coverage, you may qualify for discounts or lower rates. If there’s a gap in your insurance, your premium could be higher.

If your car is in an accident, your insurer will help with repairs or replacement, provided you have the necessary coverage like collision or comprehensive insurance.

Having a gap in your insurance coverage can lead to higher premiums. Continuous coverage shows that you're a lower-risk driver, which can help lower your premiums when you switch insurers.