My old 84 Pu

Frankie said

In Georgia, your insurance agent ( or insurance company) is charged with notifying the state of the VIN and tag numbers of a given vehicle if the insurance is dropped. The state then notifies the last known owner/insurer, and requests an updated policy number, or cancels the plates.

It's a fail safe, but I don't know how effective or accurate it is. Seems to work, though.

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Same here in NY. If you fail to pay your insurance then the company notifies the DMV. You then have 30 days to show new insurance or your plates are cancelled. If you don't turn in your plates then they suspend your driver license equal to number of days it takes to surrender your plates.

You just can't cancel your policy. You have to surrender your plates first, then send the receipt to your agent to drop coverage.