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4CarInsuranceQuotes.com Shop multiple carriers (3-5 minimum). Prop 103 guarantees you a 20% reduction in premiums after safe driving for 3 years.New cars will raise your rates because the insurer is risking more, even with rapid depreciation. After day 14, you will have no coverage unless you have notify the insurer and add the car. If you allow your insurance to lapse, you must send proof of insurance in 45 days or face a 1 year suspension. Ask for Replacement Coverage if you have a new car, less than 1 year old.