Auto Insurance Claims: No Prior Coverage Increase, car insurance policy, prior insurance

Question
Why do underwriters charge more for a car insurance policy
if the covered individual does not have prior insurance?  
First time car owners are a higher risk even if they have
been driving for years?  Or what about me.  I am selling a
car because I live in NYC and don't need one.  Should I buy
a car in the future, I will be charged more for my insurance
because there was a lapse in my coverage.  Please explain
the logic behind this madness.

Answer
Hi Brad,

Underwriters lokk at someone who does not have recent prior coverage as a potentially greater risk. This could be due to the fact that they may not have been driving for an extended period and may not be used to being behind the wheel of a car, or it may indicate a lack of compliance with the law by not keeping insueance in place. This couldl indicate a general disregard for the law which could mean this person also runs red lights & stop signs etc.

These things may have nothing to do with you by you get classified as a possibility of higher risk.

There was a time that if you indicated that you had been divorced with in the past 3 years you would pay higher rates. This is due to the fact that divorced people may be preocupied or may tend to drink more or be of a confused state of mind.

I hope this helps
Richard Hixenbaugh