Originally Posted by DogBoy

There are several companies that will not surcharge you for lack of prior insurance if there was no NEED for prior insurance. Shop and you will find them.
...
If you fail to find a carrier that doesn't surcharge you (or place you in a higer rated tier/company) then in 6 months, shop again. This time you DO have prior insurance. Just don't let there be a lapse between the expiration of your current policy and the new policy.