Standard vs Non Standard Auto Insurance

What is Standard Auto Insurance?

Standard auto insurance is a type of insurance that most drivers purchase to protect their vehicles. It is a type of policy that provides coverage for bodily injury, property damage and medical payments. This type of policy is typically required in most states and offers the most basic coverage for drivers. It provides coverage for any damage to another person’s property, as well as any medical costs associated with an accident. Standard auto insurance also provides coverage for any legal costs resulting from an accident, such as lawyer fees and court costs.

What is Non Standard Auto Insurance?

Non standard auto insurance is a type of policy that offers more comprehensive coverage than standard auto insurance. This type of policy is designed for drivers who may not qualify for standard auto insurance. It typically provides higher limits of coverage than standard auto insurance, as well as additional coverage options. Non standard auto insurance can also provide coverage for drivers who have had accidents or had their license suspended in the past. Non standard auto insurance is typically more expensive than standard auto insurance, but can provide more comprehensive coverage for drivers who need it.

What are the Benefits of Standard Auto Insurance?

Standard auto insurance is the most basic type of auto insurance available, and it is typically required in most states. It provides coverage for any damage to another person’s property, as well as any medical costs associated with an accident. It also provides coverage for any legal costs resulting from an accident, such as lawyer fees and court costs. Standard auto insurance is typically more affordable than non standard auto insurance and is the best choice for most drivers.

What are the Benefits of Non Standard Auto Insurance?

Non standard auto insurance is typically more expensive than standard auto insurance, but it can provide more comprehensive coverage for drivers who need it. It provides higher limits of coverage than standard auto insurance, as well as additional coverage options. Non standard auto insurance can also provide coverage for drivers who have had accidents or had their license suspended in the past. This type of policy can be beneficial for drivers who may not qualify for standard auto insurance and need additional coverage.

Which Type of Auto Insurance is Right for Me?

The type of auto insurance that is right for you will depend on your individual needs and situation. If you are a new driver or have had accidents or license suspensions in the past, non standard auto insurance may be the best choice for you. However, if you have a clean driving record and need basic coverage, standard auto insurance is the best option. It is important to compare both types of auto insurance to ensure that you are getting the best coverage for your needs at the best price.

Conclusion

Standard auto insurance is the most basic type of auto insurance available, and it is typically required in most states. It provides coverage for any damage to another person’s property, as well as any medical costs associated with an accident. Non standard auto insurance is typically more expensive than standard auto insurance, but can provide more comprehensive coverage for drivers who need it. It is important to compare both types of auto insurance to ensure that you are getting the best coverage for your needs at the best price.