Auto insurance elgibility guidelines vary by company. Factors that limit options:

1. Driving record. Those with tickets and accidents tend to have more losses.
2. Insurance gap. Companies use past claim activity to predict future loss potential. Having no insurance means you have no claim record that can be verified.
3. Credit-based insurance score. Statistics show drivers with good credit have fewer claims.
4. Vehicle type. High-performance cars and those more likely to be damaged cost more to insure.

The Illinois Automobile Insurance Plan is the 'market of last resort' for those unable to obtain coverage from traditional insurers. The Auto Plan has four basic requirements:

1. Applicant must be turned down for auto insurance by other companies.
2. Applicant must have a valid driver's license or eligible to get one.
3. Applicant must owe no outstaning premium for insurance in the past 36 months.
4. Vehicle to be insured must be in safe operating condition.

Focus on re-establishing a good driving and claim record. In time you'll be able to return to the traditional auto insurance market.