What Happens If You Don't Have Car Insurance In New York? 
If your question is related to securing a quote for auto insurance in NY the answer is : Most carriers will consider ` no prior coverage ' as an underwriting/ratingnegative -LRB- just like a low credit profile -RRB- and place you in a higher rating tier - you will pay more for not having had prior coverage . Other factors also come into play while a carrier computes your quote . If you did have prior coverage , the limits are considered . If prior limits were low , you pay more . The prior carrier is also classified by the quoting company as either a non-standard , standard , preferred , or ultra-preferred with non-standardcausing yourquote to increase and ultra-preferred lowering your quote . If your question is asking forlegal advice , consult an attorney who handles motor vehicle cases . Insurance agants and brokers can not and should not give legal advice . 