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Gauravi I'm not sure where you live but there are certain smelalr companies that do not use your credit as a bases for insurance. I don't know where you are but I do know in Florida if you go into a Trustway or Apple insurance office, they will be able to find a company that will do that for you. Bear in mind that because they do not use your credit these companies are not the best, they are slow to make claims and will drop you the second you lie or make a mistake. I believe that Trustway insurance is available in the south east part of the US and even in TX.Hope I helped Edward I believe my plan from pevirrssgoe runs in 6 month increments.Just get a plan where you pay monthly, and cancel it when you will no longer use it.BTW a lot of people do it but in most states you can get in a LOT of legal trouble if you are caught even lose your license. Even if you aren't required by the state to have insurance, if you do get in an accident the other person could sue you for damages. 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