What Is Non-standard Auto Insurance?
Non-standard auto insurance is designed for drivers who may have difficulty obtaining coverage through traditional insurance companies due to factors such as a poor driving record, history of accidents or traffic violations, lack of prior insurance or other characteristics. It provides a pathway for these individuals to drive legally while still meeting state insurance requirements.
Who Needs Non-standard Auto Insurance?
Non-standard auto insurance is typically for individuals who fall outside the criteria for standard insurance policies. This may include the following:
- High-risk drivers—Those with a history of accidents, DUI convictions or multiple traffic violations.
- New drivers—Individuals with little or no driving experience.
- Drivers with lapses in coverage—Those who have had gaps in their insurance history.
- Drivers with non-standard vehicles—Vehicles that may not qualify for standard insurance due to modifications or high value.
For these drivers, non-standard auto insurance provides a necessary option to comply with state laws while protecting themselves and others on the road.
How Is Non-standard Auto Insurance Different from Standard Auto Insurance?
Non-standard auto insurance differs from standard auto insurance primarily in terms of eligibility requirements, coverage options, and cost. Non-standard insurers are typically more lenient regarding driving history and other risk factors, making it accessible to drivers who may not qualify for standard insurance.
Premiums for non-standard auto insurance tend to be higher than standard insurance due to the increased risk associated with insuring higher-risk drivers. The premiums reflect the insurer’s assessment of the likelihood of claims based on the driver’s history and characteristics.
Contact Us
Non-standard auto insurance serves a crucial role in the insurance market by providing necessary coverage options for drivers who may otherwise struggle to find affordable insurance. It allows these individuals to maintain legal compliance while working toward improving their driving records and eventually qualifying for standard insurance in the future.
Contact Infinite Insurance & Services, LLC in Aurora, Colorado, to learn about your auto insurance options and compare non-standard auto insurance quotes.