Will they still give me a side of the bridge, even if ID does not have insurance with them more?
Your “car business” is the lender (the lien), and they demand that you get to maintain continuous coverage. Because you have no guarantee that they protect their security (car) by the physical damage to the vehicle to the extent of the amount you owe. They would add that cost to your car payment.
And the bad news, even if you pay more than you do not have the minimum insurance required by state law and you put yourself in danger by using additional financial vehicle.