If QuotesChimp cannot convince an auto insurance company to sell you a policy, you will be forced into the netherworld of what the industry calls the shared market. Every state provides some mechanism of guaranteeing access to the purchase of auto in�surance through these shared markets. There's one other thing that is also almost guaranteed in these shared markets: the cost will be much higher than for a regularly issued policy. There are four different types of shared markets.

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