Glossary term
Continuous coverage
Continuous coverage: An unbroken insurance history. Lapses are surcharged; continuity earns discounts.
Where this term matters
Guides and entries on this site that use the term.
Guide
How a Coverage Lapse Raises Car Insurance Rates
Why a gap in coverage—even a short one—raises premiums, how insurers treat no prior insurance, and how to restart without overpaying.
Guide
When to Switch Car Insurance Companies
How to decide whether to switch insurers after a rate increase, when the best moments are, how to avoid a lapse, and what loyalty is actually worth.
Entry
How to Get Car Insurance After a Coverage Lapse: Practical Steps and Costs
Understand what happens after a car insurance lapse, how insurers price coverage gaps, and practical steps to secure an affordable policy again.