Need a system like Australia. Your registration expiration matches your insurance expiration. Insurance companies are obligated to cover the car for the length of the policy. It is up to them if they want to let the driver make payments on the premium or get it all up front. Caught without insurance or expired tag and car is impounded until you show up with a valid policy / registration. At least this is how it was when my aunt lived there. Not many uninsured on the roads.