so, my car burned up the other day (it's a good story, but for another forum). Alas, I'm now carless and all about car share services (Enterprise, Zipcar, Car2Go, etc) and they seem to be a good way to save a few dollars. Since I live in Washington DC, It's a viable alternative to a car - we use a bike for most things.
The question is about auto insurance. I called to cancel my auto insurance policy and they explained that there is one drawback: As of now, I am cheap to insure. But, if I have a lapse in coverage and decide to get a car in the near future, my premiums will go way up. So, they offered a "keep warm" policy with uninsured motorist, etc (bare bones) for $15/month (about half of what I paid for insuring the car). Seems like a ripoff to me, but I have to say I'm worried that a "lapse" in coverage will actually be expensive. I don't anticipate getting a car soon, but who knows. Maybe in a year or two. The agent didn't think that using a car share would not avoid being considered "uninsured."
Thoughts?