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Auto insurance companies have determined that drivers with gaps in their coverage history are risky to insure. They would prefer to give low auto insurance rates to individuals who have maintained auto insurance coverage consistently. Drivers who do not maintain their coverage are a greater risk for insurance companies. With this in mind, it is important to ensure that you are always covered by an auto insurance policy. Even a gap in coverage for one day can adversely affect your future insurance rates. If you already have gaps in your insurance coverage history, make it a point to maintain coverage consistently so you can positively change your record.