Insurers are required by law to comply with various rules and regulations when nonrenewing a policy. For example, the company must provide written notice identifying when coverage ends. This notice must also outline the nonrenewal reason. Sixty days advance notification is required if the policy has been in force for more than five years. The time frame drops to thirty days on policies less than five years old.

Get in touch with the local agent or insurance company if you have questions about the nonrenewal. The insurer may be willing to reconsider if you have supporting policies with good loss experience, request higher physical damage deductibles, or agree to make other changes.

Next, explore options with different insurance companies. Eligibility requirements and rates vary by insurer.

Talk to your agent about the Illinois Automobile Insurance Plan if you need more options. The Auto Plan has four basic requirements:

1. Other companies have turned you down for auto insurance;
2. You have a valid driver's license or are eligible to apply for one;
3. You cannot owe money for prior insurance coverage during the previous 36 months;
4. The vehicle to be insured must be safe to drive.

Insurance through the Illinois Automobile Insurance Plan costs more, so use it as a last resort. Plan to explore other possibilities as your driving and claim records improve.