What is non-standard auto insurance?
It all comes down to statistics in the insurance world. Your driving habits and record make you either a desirable driver to insurance companies or a high-risk one. If you are the latter, it is more difficult to buy an auto policy. Some companies won’t insure high-risk drivers. Fortunately, some companies offer what is known as non-standard auto insurance. In this article, we explain what this type of policy is and who can benefit from it.
What exactly is non-standard auto insurance?
Non-standard auto insurance usually refers to a type of policy reserved for high-risk drivers. This type of coverage is sold to those drivers who find it difficult or impossible to be insured due to the risk factors involved.
Who is considered a high-risk driver?
While each insurance company follows different criteria to determine who falls under the high-risk-driver category, it typically involves a driver who:
- Is a teenager or first-time driver in the U.S.
- Has violations or speeding tickets
- Has allowed their auto insurance coverage to lapse
- Is required to have an SR-22
- Has a DUI conviction or other serious violations
What does non-standard auto insurance cover?
Drivers who are insured under a non-standard auto insurance policy normally receive the same type of coverage as good drivers, but with some restrictions.
Some insurance companies may limit the number of miles you can drive annually; others may restrict the number of discounts you can get. Speak to your agent to learn what is covered with non-standard auto insurance before signing any contracts.
How to save on your non-standard auto insurance
Getting affordable non-standard auto insurance follows the same steps as if you were considered a good driver. Do some prior research and obtain quotes from at least three insurance companies that offer coverage for high-risk drivers.
Compare car insurance quotes as well as the exclusions and limitations each policy comes with and ask the agent how much coverage you would receive with this type of auto insurance. It’s also important to learn what you can do as a driver to be eligible for a standard policy in the future.
Becoming a better driver takes time. It’s a good goal to achieve so you aren't tied to non-standard insurance forever.
What do you need to do to be considered a good driver? Abide by the traffic laws and regulations; drive at safe speeds at all times; keep a clean record with no accidents; make all your payments on time; and never drive when you’re under the influence.
At Infinity Insurance we understand everyone should have access to quality insurance at a price they can afford. That’s why we offer non-standard auto insurance options for high-risk drivers. Call one of our friendly agents at 1-800-INFINITY to learn more about our auto insurance options or visit our website to receive a free quote within minutes.
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