<prompt> Human: Sold my car and no longer have one, though I might again one day. The Progressive agent threw a scare speech at me that cancelling entirely would create a lapse in coverage that would result in me paying higher rates in the future if I seek coverage again. Is this accurate? Should I get a minimal policy to maintain an insurance history? Thank you.  <response>: Get a non-drivers policy which is basically liability insurance. I have one and it runs about 20 a month and covers me when I drive my friends cars. 