Some companies offer discounts for transferring your insurance to them with less than seven days lapse in your coverage. Other companies 'tier' their rates. The amount of time of lapse in your coverage helps determine your 'tier.' Try, to think of the discounts for insurance with the prior insurance as rewards for being able to keep your coverage together without lapse. So, as a result, even though your rates are higher due to your lapse in coverage, try not to feel like you are being punished or 'targeted.'

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