You can easily find great deals on car insurance if you take the time to look. However, there are situations where you can expect to pay more. Two in particular include, when purchasing your policy for the first time and after you’ve been without coverage for more than a month.

The reason companies tend to charge more in these situations is because they see you as riskier. After you’ve been covered for a while, usually six months, some companies will offer a discount. You can even save $100  a year after just one year, in some cases. All you have to do is ask your company for an improved rate.