Insurance companies look closely at motor vehicle records, loss history, and other factors to predict the likelihood of future auto loss. Risky motorists have fewer insurance options and pay higher rates than those with good driving histories.

The Auto Plan is the last resort market for those unable to get insurance from traditional companies. There are four requirements. Other insurers must turn down your request for coverage; you need a valid driver's license or be eligible to apply for one; you cannot owe money for a prior insurance policy during the last 36 months; the vehicle must be safe to drive.

Work on improving your driving record and establishing a good claim history. Eventually, you'll qualify for coverage from a traditional company with lower rates.