Why would my insurer cancel or not renew my policy?

Technically, in most states your insurer can cancel your policy only if:
• you fail to pay your premium;
• a driver loses his or her driver’s license;
• you are guilty of material misrepresentation during the application process (e.g., you fail to notify your insurer of a recorded violation such as a drunk- driving offense)
However, your insurer can choose not to renew your policy for a variety of reasons,from driving citations to poor driving experience.

Where do you live? Has the neighborhood changed in the last few years? Have the accident or crime rates risen noticeably? As regions are reassessed periodically, their status could change and you could suddenly find yourself living in a high-risk area where your insurer’s rates may not be adequate to cover losses.