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[xoxoxoBruce]

I hope all the insurance companies have identical rules. That way, I won't be able to get a car registered for ANOTHER THREE YEARS!

Naw, that just means you go into the pool of drivers that pay more for ins.
In PA they call it "assigned risk pool" and any ins. co. doing business in the state has to take a share. Since the pool consists of people who have been dropped by their ins. co.( for any reason including late payment) or unproven risks (new drivers) you get to pay more.
They would never make you wait three years when they could be fleecing you. Just bad business.