<prompt> Human: Im told that its a bad idea to ever let car insurance lapse, because then the rates will go up. I know that I wont own a car and will barely drive at all for the next 2-4 years, so do I even need insurance? It seems silly to pay for insurance for multiple years if it will get me a slightly cheaper rate in the future.  <response>: If you dont have a car why would you need car insurance? 