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There are things you must never allow to happen if you want to keep enjoying cheap California auto insurance for a long time: For no reason should you allow your policy to lapse. It will sentence you to high rates for a considerable length of time. This happens to some folks while they are switching to another insurance carrier. A simple way to be certain you do NOT make this type of mistake is to let your old policy keep running until you’re sure the new policy is in full force. As simple as this may seem, a lot of folks are bearing the pain of higher rates because of this silly little oversight.