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What Is Non-Standard Auto Insurance?

General Auto Insurance / What Is Non-Standard Auto Insurance?

Non-standard auto insurance is a term used to describe insurance for drivers who are not able to obtain coverage at standard rates.

Drivers fall into this category for a number of reasons. They may have received a large number of traffic tickets in the recent past, or they may have been convicted of a serious offense, such as DUI. They may have been involved in a number of accidents, or they may have filed a large number of claims. Drivers who let their insurance coverage lapse for a period of months or years might also have trouble finding insurance at standard rates.

Some drivers have to buy non-standard insurance just because of what they drive. Standard rates are usually not available for customized cars or high-powered sports cars. You also might have to pay non-standard rates if you drive a motor home or RV. When most people think of risky drivers, they picture young men in sports cars. But an insurance company might consider a senior citizen in an RV just as great a risk.

You also might have to pay non-standard rates if you have a very poor credit rating or if you have a history of paying your insurance premiums late. Insurers charge more for customers who have a poor credit history because these customers present a greater financial risk.

Many insurance companies offer policies at three different price levels or tiers: non-standard, standard, and preferred. When you apply for a policy, the insurer will look at your driving record and other factors to determine your level of risk. High-risk drivers may be offered coverage at non-standard rates.

Some large insurance companies own smaller companies that specialize in non-standard coverage. These smaller companies typically have developed a high level of expertise in evaluating risk. This allows them to customize policies and rates based on the unique situation of each customer.

There are also a number of independent companies that specialize in non-standard insurance and offer nothing else. At one time there were only a few such companies. Now, however, there is greater competition, and insurers know they have to offer competitive rates.

You do not have to have a poor driving record to buy insurance from a non-standard insurer. New drivers and owners of very expensive cars sometimes find that a non-standard insurer offers better rates than they could get from a larger company.

Shopping for non-standard insurance is like shopping for anything else. If you do your homework and take some time to shop around, you can save some money.

If you maintain a clean driving record and avoid filing a large number of claims, you can keep yourself out of the non-standard category of drivers. But even if you have a serious accident or you're convicted of a serious violation such as DUI, you won't necessarily be stuck in the non-standard category forever. If you maintain a clean driving record for a period of anywhere from three to five years, insurers will usually change your status back to standard.

Non-Standard Auto Insurance

Non-standard auto insurance is insurance for drivers who cannot get coverage at standard rates.

Non-Standard insurance is for drivers who:

  • Have a large number of traffic tickets
  • Have a DUI
  • Let their insurance coverage lapse

Many insurance companies offer policies at three different price levels or tiers: non-standard, standard, and preferred. High-risk drivers may be offered coverage at non-standard rates.

Shopping for non-standard insurance is like shopping for anything else. If you do your homework and take some time to shop around, you can save some money.

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