There are only a limited number of reasons for an insurance company to cancel your policy, but non-renewals can be issued even if you have not done anything wrong. The first step is check whether the policy is cancelled or will simply not be renewed when it expires, and from there you can decide how to approach the situation. The important things is that you do not have a lapse in insurance coverage, so if you are being cancelled or received a non-renewal notice you will need to take action before the date specified.
Cancellation means that your policy is being terminated before the term of the contract expires. Your insurance policy can be canceled for nonpayment of premiums, or for habitually late payments. It can also be terminated if your driver license was suspended or revoked, or if you are convicted of serious driving offenses such as a DUI involving injuries.
Non-renewal is less severe and may be issued for something not related to your policy at all, such as the insurance company deciding to drop a line of coverage in your area. The company may choose not to renew your policy at the end of the contract if your payments have been late frequently, and you may elect not to renew the policy yourself if you find a company you would rather do business with.
If you are not certain that you are getting the best service or insurance coverage from your insurance company, you have the right to shop around for better insurance and cancel or renew your existing policy after you find new insurance. Shop online using customized car insurance quotes, and compare multiple leading companies from one location. Your old insurance company probably requires at least one billing cycle of notice to finalize the policy and avoid sending you bills after your coverage takes effect. If you are not renewing an existing policy, simply let the company know that you will get a policy elsewhere when the contract expires.