Non Standard Auto Insurance Near Me

What is Non Standard Auto Insurance?

Non standard auto insurance is a type of insurance designed to cover drivers with higher risk profiles. It is usually more expensive than standard insurance policies and is designed to provide coverage to drivers who may have difficulty obtaining coverage through traditional policies. Non standard auto insurance policies typically cover drivers with at least three years of driving experience and who have had no more than two at-fault accidents or violations in the past three years. They also typically require that the driver have a valid driver's license and no serious moving violations or DUI/DWI convictions in their history.

Who Needs Non Standard Auto Insurance?

Non standard auto insurance is typically needed by drivers who have had difficulty obtaining coverage through traditional insurance policies. This includes drivers who have had multiple at-fault accidents or violations in the past, drivers who have had a DUI/DWI conviction, drivers who have had their license suspended or revoked, or drivers who have had a lapse in their insurance coverage. Non standard auto insurance is also typically needed by drivers who have little to no driving experience, such as those who are newly licensed, or those who have recently moved to the United States.

Where Can I Find Non Standard Auto Insurance Near Me?

Non standard auto insurance is available from many insurance companies, but the coverage and cost may vary. It is important to shop around and compare quotes from several different companies to ensure that you get the best coverage and price. Some insurance companies may specialize in non standard auto insurance and may be able to provide better coverage and rates than other companies. In addition, many insurance agents and independent brokers can help find the best coverage and price for you.

What Factors Determine the Cost of Non Standard Auto Insurance?

The cost of non standard auto insurance depends on several factors, including the driver's age, driving record, credit history, and the type of vehicle being insured. Generally, drivers with a poor driving record or a history of DUIs/DWIs will pay more for non standard auto insurance than other drivers. Additionally, drivers with newer cars and better credit scores will usually pay less for non standard auto insurance than those with older cars and poorer credit scores. Insurance companies may also consider the type of vehicle being insured, as some cars may be more expensive to insure than others.

What Are the Benefits of Non Standard Auto Insurance?

Non standard auto insurance provides coverage for drivers who may have difficulty obtaining coverage through traditional insurance policies. It also typically offers more comprehensive coverage, including liability coverage, uninsured motorist coverage, and medical payments coverage. Additionally, non standard auto insurance may be more affordable than standard policies for some drivers, depending on their individual circumstances. Finally, non standard auto insurance may offer discounts for certain drivers, such as those who have taken a defensive driving course or have a clean driving record.