If your insurance has lapsed because you can’t afford your premiums, there are a few things you can do. First, shop around and get quotes from several insurance carriers. You may find that another provider offers a lower rate. You can adjust your coverage limits or drop full coverage for a minimum coverage policy to get a cheaper car insurance premium. Other ways to get a lower premium are to improve your credit score, raise your deductible and look for discounts. However, some states offer a low-cost auto insurance program if you’re still struggling to get an affordable premium. To get coverage, you might need to meet income requirements and shop around for private car insurance once per year.