Possibly pregnant?

I'm very confused. AF was due on March 8th. I got a negative pregnancy test on the 10th. My last period was on February 3rd. My usual cycle length is 32 days long. I am showing no signs of AF coming anytime soon... Me & my bf have been trying for a baby, and did have unprotected sex when I ovulated. Should I test again? I can't go to the doctors because I currently don't have insurance, but people are advising me to get a blood test done. Why would the test come up negative if I am pregnant?