How Many Days in Advance Is Appropriate to Purchase Car Insurance?

[OZachary]

It is generally appropriate to purchase car insurance up to 3 months in advance. The following are the impacts of vehicle insurance lapse on car owners: 1. Increased premiums: If the owner's vehicle has lapsed insurance but is not renewed and the lapse is prolonged, the insurance company will classify the vehicle as high-risk, leading to increased insurance costs upon renewal. 2. No claim settlement: In the event of an accident during the insurance lapse period, all losses will be borne by the vehicle owner as no claims can be settled. 3. Illegal to drive: A vehicle with lapsed insurance cannot legally be driven on the road. If traffic police discover that the vehicle is being driven without valid insurance, the owner will be subject to penalties and the vehicle may be impounded.