There is a big difference between your state's or your California auto insurance company canceling an auto insurance policy and it choosing not to renew it. Insurance companies, including California auto insurance companies, cannot cancel a policy that has been in force for more than 60 days except when:

• You fail to pay the premium
• You have committed fraud or made serious misrepresentations on your application
• Your drivers license has been revoked or suspended.

Nonrenewal is a different matter. Either you or your California auto insurance company can decide not to renew the policy when it expires. Depending on the state you live in, your insurance company must explain its reason for not renewing your policy and give you a certain number of days notice before it drops your policy.

If you disagree with their decision, think the reason is unfair, or want a further explanation, call the auto insurance company’s consumer affairs division. If you don't get a satisfactory explanation, call your California state's or your state's insurance department.

Nonrenewal isn't always the result of something you did. The company may have decided to drop that particular line of auto insurance or to write fewer policies where you live. On the other hand, if you did something to raise the insurance company’s risk considerably, like drunk driving, the premium may rise accordingly, or your auto insurance company may decide not have your policy renewed.

You will not necessarily be charged a higher premium at another insurance company if your state's or your California auto insurance company did not renew your policy.

To find an independent California auto insurance agent, visit www.Direct Choice Insurance .com