What Is Non-Standard Auto Insurance?
Answer: Non-standard auto insurance is for drivers who are considered high-risk by insurance companies. In other words, it provides coverage for those who don’t qualify for standard auto insurance policies.
What constitutes a high-risk driver?
The following list will help you determine where you land on the standard/non-standard auto insurance spectrum. If any of the following apply to you, then you may need non-standard auto insurance.
- If you are a driver under 25.
- If you drive a luxury sportscar, a rare car, or even a car with a salvage title.
- If you need an SR-22 form.
- If you have previous DUI convictions, severe traffic violations, or reckless driving.
- If you have had multiple car accidents.
- If you have no previous auto insurance coverage or a lapse in service.
- If you are from another country and do not have a history of driving in the United States.
- If you have a poor credit history.
Non-Standard vs Standard Auto Insurance
Non-standard auto insurance: Policies come with higher premiums to account for the increased risk associated with insuring high-risk drivers.
Standard auto insurance: Offers lower premiums to low-risk drivers with good credit and clean driving records.
How To Get Covered with Non-Standard Insurance
The process for buying non-standard auto insurance differs depending on the driver.
For instance, if you need an SR-22 due to a DUI conviction, the insurance company will need to file this form on your behalf, proving that you have sufficient auto insurance coverage.
With that said, here are the steps you’ll need to follow to get covered:
- Determine your specific needs
- Shop around for quotes
- Provide necessary information
- Choose the best policy
- Complete the paperwork
- Pay your premium
- File an SR-22 if needed
At All n One Bonding & Insurance, we can help you get the best rates for non-standard and standard auto insurance policies. We also handle SR-22s as needed.
Our goal is to get you covered with the appropriate policy for the best price. Contact our Nevada office for a personalized quote. Our insurance agents are standing by.