When purchasing a new policy, you'll have to buy one at current market rates. (bestliferates.org)
Even so, every policy renewal date is technically still the expiration date of an old policy, and you are still purchasing a new policy at the outset of that new policy period. (carinsurancequote.net)
You can avoid a lapse in coverage by purchasing a new policy with a coverage date that begins before your current policy ends. (pocketsense.com)