Many times people will get sticker shock when they find out they have to pay up to triple what they were paying because they had a few weeks lapse of car insurance coverage.
Well first of all it is illegal to drive without insurance, so if you don't have insurance or missed a payment, you then have to go apply for new insurance. They will ask if you have ever had a "lapse in coverage" and you cannot lie about it because they have databases that will double check for them.
There is nothing you can do about it but wait it out for 6 mos with those payments.
Often times when you go apply for new insurance and haven't had it before they will now require a fairly large down payment. There is nothing you can do about it but wait it out for 6 mos with those payments then we can immediately move you to a "preferred risk" and your rates will drop in half!