<prompt> Human: In January 2016 I got into a car accident which I was at fault. I mistakenly used my insurance to pay for the minor damage and its biting me in the butt. The cheapest place that will insure me is Progressive which is 2000 paid out every six months for minimum state mandated coverage.Starting September, I will be moving to a more urban area and will only need my car on occasion. I would have no problem getting rid of it.My concern is if I get rid our my car and cancel insurance, when I want to get insurance in the furure, will this break insurance be considered a lapse and my rates would so high.Im a 25 year old male living in New York City.Does anyone have experience with this?  <response>: You live in NYC. Get rid of the car. Taxis and public transportation and Uber will probably end up cheaper. NYC is the worst city to own a car due to the parking fees and rates for accidents. 