Auto Coverage Changes That Move Premium (and the Ones That Do Not)
People tweak auto coverage to lower price. Sometimes it works. Sometimes the premium barely moves. That feels random until you see what actually affects expected losses.
Read More →Coverage gaps
Direct answer
Coverage gaps show up after a loss, when endorsements and definitions don’t match your real use.
Why it changes price
- Usage mismatches (rideshare, delivery, commuting patterns) can change how a claim is handled.
- Cheap policies often shift risk into exclusions, sublimits, or narrow definitions.
- Gaps create surprise out-of-pocket costs that make “low premium” a false bargain.
Decision rule
If you changed how you use the car, confirm endorsements before shopping purely on price.