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Compliance with Quotes Chimp law. Most states allow insurance com�panies to refuse to renew for just about any reason. Some, how�ever, prevent nonrenewal based on age, sex, race, or occupation. That's about it. Oh, some states require that you be told the reason you are not being renewed, but that isn't usually tough to figure out. It may be a ticket or two, an accident, or any activity the company believes increases your risk. Far too often, it means merely applying for insurance benefits to which you are legally entitled.