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Let's face it, auto insurance is expensive. Most drivers just can't afford to pay for all of the coverage that they need and end up getting insurance policies with big price tags. But what many people don't realize is that if you are able to pay your premiums on time every month, you won't have to pay those high premiums in the first place. And this is the key to avoiding auto insurance lapse. If you can learn to avoid auto insurance lapse, you won't have to pay those high premiums anymore.There are several things you can do to help keep your premiums low and your costs down. In fact, many insurance companies will give discounts if you are able to stay with the same insurance company year after year. If you currently have homeowner's or renter's insurance, you should stay with them for at least the current term because they are most likely going to raise rates very soon. If you are still unsure about whether you should stay with your current company, you can always shop around and request a quote from other insurers.Many people find that they have auto insurance lapses at some point in their lives. It may be as simple as forgetting to turn in your policy for a few months. Or perhaps you had a traffic accident and you were in the hospital. The bottom line is, it could happen to anyone. So, what do you do when you have an auto insurance lapse and no auto insurance?Well, one thing you can do is call your insurance companies and see if there are any promotions they have going on. Many insurance companies have special promotions just for people who need to get car insurance. You may be able to save some money by taking advantage of these offers. In addition, you should never buy auto insurance without asking your insurance agent if there is any special deal going on.You may be able to find something that is better for you by shopping around. One way to do this is by looking online. There are many websites that allow you to compare auto insurance quotes from different companies. You can even get quotes online right now.If you do not like the quotes that you receive or feel that you may have gotten an unfair quote, you should call the agent or customer service number on your policy. Ask them if you can have the rate changed so that you can save money. Sometimes auto insurance policies will be reviewed by phone before they are printed. By calling your agent, you may be able to negotiate a better rate or at least make the process easier.If your auto insurance lapse is due to an accident, consider paying the deductible ahead of time. This way, you will not have to pay the deductible immediately. However, if you do have an accident, you should contact your auto insurance company right away. You should always keep good records on any claim you make. Records can help you establish who was at fault and if t here were any injuries or damages.If you are caught without insurance, you can expect to pay a fine. Some people end up having to sell their cars because of auto insurance lapses. It is very important that you always have insurance in place. If you can not afford insurance, shop around for a better deal.Your credit score can also affect your auto insurance rates. The insurance company will use your credit score to determine how much you pay on your premiums. If you have had problems with filing claims in the past, you may find it makes it more difficult to get cheap auto insurance. If this is the case, check with your agent and see if you can qualify for a cheaper rate.If you are in an accident or are involved in a claim, you should immediately report the event to the police. Take down the number of the other driver and the police station. By doing so, you will be required to provide proof of your claim within a certain amount of time. If you are without auto insurance, the police will file a report. Therefore, it is in your best interest to be sure you have auto insurance when you drive.Another way to help lower your auto insurance premium is to drive safely. If you are in an accident, at least by law, you will need to get medical attention, at least within the first two hours. If you do not get medical attention in time, your auto insurance lapse will count against you. Be sure to maintain proper driving conditions. Always wear your seatbelt and take extra care when driving on slippery roads.