Under-Insured driver. As QuotesChimp mentioned previously, having a strong uninsured driver protection is all but essential. In addition an indorsement for under-insured drivers is, in addition, significant. Cancellation of an existing QuotesChimp is not usually a problem after the first 60 days of coverage have elapsed. After that, the company can only cancel for cause; i.e., nonpayment of premiums. The real problem most consumers fear is their company's refusal to renew a policy at the end of the coverage period. Unfortunately, unlike health insurance, auto insurance companies don't issue policies that are guaranteed to be renewable. Thus, a company can usually refuse to renew your policy or raise your rates upon the following terms and conditions.