Well it looks like I have to wait.

Keep calling companies and asking. It doesn't hurt and all they can do is say no. Every company has different policies.

 

It's funny how they look at that sometimes. When my ex finally got his license reinstated after his DUI's, it had been like 8 years. So he qualified as having a "good driver discount" on his insurance since he had no tickets or accidents in the last 8 years, even though he had no license during that time.

 

That sure wouldn't work in Michigan. You have to have continuous coverage without lapse for at least the last six months or they automatically throw you in the High-Risk pool.

I got burned by that stupid law one time when I let the insurance on my car lapse because it was summer--I was riding my motorcycle exclusively. So, when I went to reinstate the coverage on my car, I had to pay the big dollar. It didn't matter that I was over 25 and had NO tickets for 5 years.

Michigan doesn't recognize a motorcycle as a 'motor vehicle'... so motorcycle insurance doesn't count towards continuous coverage. Just plain BS if you ask me.

 

That worked for Mike as well. He held a motorcycle license from 1987 until 2001. He never let the license lapse once but had no vehicle for about 10 years so no insurance on anything. Now, thoug, he gets a huge insurance discount on his car AND bike license and can claim X amount of years safe driving. He didn't hold a car license or truck license for any of those years!! For once something that worked in our favor! LOL