Your car insurance provider may drop you for any number of reasons. And while there are regulations surrounding how and why insurers are allowed to drop you, the reasons do tend to vary from one provider to another. Therefore, you will want to read your policy carefully and talk with your provider about any questions you may have before you sign up.

That being said, some of these reasons for dropped coverage are pretty universal form one auto insurance provider to the next. Here are the most common reasons you may find your car insurance provider deciding to drop you as a client:

• You've been making too many claims. Typically, if you're making more than one claim in a year, your insurer is going to want to cut their losses by dropping you as a client. In these instances, your insurer probably won't simply drop you. Instead, they might decide not to renew your policy once the year is up. You should generally expect to file a claim less than once a year. Beyond that, it's worth considering if there are other options before going to your insurer.
• Your insurer is no longer covering your area. This happens a lot more often than you might expect it to. New regulations and laws in a given county or state might make it difficult for certain insurers to continue doing business there. There are simple economic matters to consider, including the volume of competitors. If your insurer drops you because they’re pulling out of region, it won't reflect poorly on your record. The insurer will also be required to give you 30 days’ notice before ending coverage.
• You have developing health issues that make it difficult to drive safely. Vision problems are of particular concern here. If you have trouble seeing the road, then you're going to have trouble driving safely. If this happens, it may be worth considering whether you want to surrender your license and start taking rideshares, taxis and buses to get around.

If you lose your insurance and you want to continue driving, get on a new policy right away. The courts won't take "but my insurer dropped me" for an answer when ordering you to pay a ticket for lapsed coverage.