Starting today (October 1), DMV will find out electronically if your insurance cancels. Why? Because the law requires you to carry insurance.
A little background. You have to show proof of insurance to register a car. The solution: take out insurance, register the car, and cancel it. This became common. So, the legislature took away this loophole: require electronic notice from the insurer to DMV.
This means that once your insurance lapses, DMV will know. The police will also know. You will not be able to use this loophole. Remember, there is help for low income people as well. Now, you need to keep your insurance more than ever.