I`ve never heard of this, but I did all the work a...

I`ve never heard of this, but I did all the work applying for insurance. I got a great quote and was told there would be a call from someone. Well that never happened. I again filled out another free quote the next day and was told the same thing. I got the call, I said great. I was then asked a few questions and told they could not give me insurance. Reason, I DID NOT DRIVE ENOUGH. Please, someone tell me the reasoning behind this!!!!!