Are you being canceled? Chances are that you're about to lose (or have lost) your insurance because you:

• Have too many speeding tickets or accidents
• Didn't pay your insurance premium on time
• Gave false information to the insurance company
   

In most states you can't legally drive without car insurance (check your state's requirements), so here's what you need to do:

1. Don't panic but move quickly: The letter from your insurance company will tell you how much time you have before your coverage runs out. If it's simply a matter of not paying your premium in time, you may still be able to pay the fee and avoid being cancelled at all.
2. Talk to your agent: Find out if you can do any of these things to keep your insurance or find new insurance:
   • Raise your deductible (this will mean that if something happens to your car, you'll have to pay a larger portion of the cost of repairs)
   • Buy other types of insurance from them (such as life, homeowners/renters)
   • Work with a partner company: Find out if your insurance company has any other companies that they recommend people to if they're considered "high risk"
3. Find out exactly why you're being cancelled: When you go to get insurance from a different company they'll need to know why your last insurance company dropped you.
4. Look for high-risk insurance: This is insurance for people who have a bad driving record or are a credit risk. Get information on buying high-risk insurance.
5. Find out how you can improve: Ask your agent what you can do to be considered a good insurance risk by the company that cancelled you.