What exactly is a non standard car insurance policy? A non standard auto insurance policy (also called a high risk auto insurance policy in many instances or often car insurance for import/modified cars) is an auto insurance policy that is written for the driver who is difficult to insure.
High risk drivers typically have poor previous underwriting experience due to a high incidence of claims, a serious accident, or a serious violation such as a DUI (Driving Under the Influence). In some less typical instances, such as with the insurance of a custom built car, a person with an excellent driving record may still need to obtain a non standard auto insurance policy.
If a person is unable to obtain a standard auto insurance policy but still wants to drive, he has to apply for a non standard auto insurance policy. Read on to learn the ins and outs of non standard car insurance coverage and then enter your zip code in above to get started comparing free non standard car insurance quotes (as well as standard auto insurance quotes) from many different automobile insurers!
Who Covers Non Standard Auto Insurance Policies
Not every insurance agent offers non standard auto insurance policies. Some companies offer non standard auto insurance policies while others may own a sister company that carries only that type of insurance. Some states require a portion of insurance companies to accept a percentage of non standard auto insurance policies so that high risk drivers still have a chance of obtaining coverage. This is done with the intention of decreasing the possibility of driving illegally without insurance by making insurance available.
Non Standard Auto Insurance Coverage
High risk drivers need the same basic minimum coverage that is required by state law for all drivers. Unfortunately no matter what the reason is that you are considered to be a high risk driver, being covered by a non standard auto insurance policy usually is more expensive. The type of coverage you can obtain with a non standard policy is comparable to standard auto insurance; only the price may differ. You will be able to purchase liability and you may be able to obtain collision, comprehensive, uninsured motorist, underinsured motorist, and other optional coverage as well.
If you are considered a high risk driver, then your insurance premium will cost more than if you were not considered high risk. This is true if you are high risk due to having your license revoked or simply high risk because you are under 20 years of age and considered to be an inexperienced driver. Other reasons you may be high risk include being over 70 years of age even without a history of accidents or moving violations.
If you feel you are being given a non standard auto insurance policy unfairly, then you may want to request a quote from a different carrier since not all companies use the same criteria to determine high risk. To receive different car insurance quotes now for free, follow the onscreen prompts.
How to Apply for a Non Standard Auto Insurance Policy
Unless you receive a SR-22 car insurance policy requirement notice from your state Department of Motor Vehicles (DMV), you may not need a non standard auto insurance policy. A SR-22 policy is usually required in order to reinstate a revoked driver’s license, which is a high risk driver red flag. Sometimes a SR-22 can be required for a driver who has multiple violations on his record and then gets involved in an accident or has an accident while driving without insurance.
In any of these circumstances, you will need to ask your insurance agent if they can provide you with non standard auto insurance and then complete the application per their instructions.
If you think you are a high risk driver because of your age, driving record, credit history, or the type of car you drive, it may be in your best interest to first apply for standard auto insurance. Simply supply all of the requested information to your insurance agent and then see what type of coverage you are offered. If you are denied coverage by the underwriters for a standard auto insurance policy, then you can shop around to see if a different agency will cover you. If you are still denied then you may need to get a non standard auto insurance policy on a temporary basis and then reapply for standard coverage after a certain amount of time has passed.
While the state mandates many laws that insurance companies must follow, the insurance companies also have their own guidelines that they follow. Many times these guidelines can vary widely from one car insurance company to the next, which is why it is beneficial to shop around for different rates. What one company considers high risk another company might consider acceptable and consequently cover the driver under a standard auto insurance policy.
SR 22 Car Insurance Quotes/High Risk Car Insurance Quotes
The same variance occurs with rates. Non standard auto insurance policies tend to be more expensive than their counterparts, but one car insurance company may still be less expensive than another. Auto insurance is a costly investment so whether you are a high risk driver or not you have the right to receive the best coverage possible for the best price available. Try using the car insurance rate quote tool on this page to compare your options now!
