What is car insurance that’s not standard?

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Here's what you need to know...

  • Non-standard car insurance is the type of auto insurance policy written for high-risk drivers who do not qualify for auto insurance coverage at the standard rates
  • You should seek standard car insurance quotes from several different companies to accurately gauge the market and your place in it
  • Since state governments require car insurance for all drivers, they must also make sure that there is a policy in place to cover the highest risk drivers

Non-standard car insurance is the type of auto insurance policy written for high-risk drivers who do not qualify for auto insurance coverage at the “standard” rates.

Non-standard car insurance comes with higher premiums that reflect the heightened level of risk presented by a driver with a history of serious accidents, excessive violations, and a significant amount of claims.

Other factors, such as age and the type of car being covered, can contribute to the “non-standard” designation.

Finding non-standard auto insurance quotes online is easy. Just enter your zip code and get started comparing non standard car insurance quotes!

Exhaust All Standard Options

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Do not assume that you have been relegated to the steeply priced “non-standard” category because you have been denied coverage once.

You should seek standard car insurance quotes from several different companies to accurately gauge the market and your place in it.

An on-line rate quote comparison tool will allow you to get quotes from many different providers by typing in your personal information just one time.

If this process fails to produce any workable policies for your unique situation, it is time to look into non-standard car insurance.

Should the government be involved?

Because most state governments require car insurance for all drivers, they must also make sure that there is a policy in place to cover the highest risk drivers.

Many car insurance providers, when left to their own devices, will refuse to cover those they deem to be too dangerous on the road. Each state sponsors an assigned risk program that makes the playing field more accessible.

The assigned risk insurance pool is made up of all car insurance providers in that state. Each company’s representation in that pool is commensurate with its size.

The larger the company, the more “assigned risk” drivers it must insure. Each driver who enrolls in the assigned risk program is randomly assigned by the state to a company from the assigned risk pool.

You are entitled to assigned risk insurance for at least three years.

During that time, your biggest priority should be maintaining a clean driving record and a good credit rating. You might also consider making every change possible to present yourself as less of risk.

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Non-Standard Versus Assigned Risk

Assigned risk car insurance is indisputably costly. Widening your search to include private non-standard car insurance may yield results that are, while still much more expensive than standard options, less pricey than the state-sanctioned provider.

Approximately 60 insurance groups have a non-standard option available to high risk drivers. You can find out which ones are active in your state by calling the department of motor vehicles or visiting its web site.

In Connecticut, which has enjoyed a reputation as the Insurance Capitol of the United States for many years, there is a large group of the providers that will consider non-standard policies.

Unlike participation in the assigned risk pool, the underwriting of non-standard policies is not mandatory. In today’s fickle economy, the following list of Connecticut providers who offer non-standard policies is constantly subject to change:

  • Allstate Indemnity Company
  • American Alliance Company
  • American International Pacific Insurance Company
  • Illinois National Insurance Company
  • Atlanta Casualty Company
  • Dairyland Insurance Company
  • Farmington Casualty Company
  • Geico Casualty Company
  • General Insurance Company of America
  • Graphic Arts Mutual: Access Program
  • Infinity Insurance Company

Find the Policy That’s Right for You

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Whether you are looking for alternatives to your state’s assigned-risk pool, or are coming out from your three-year stint with that program, your best bet is to complete an exhaustive search for the best non-standard car insurance rates.

Using an on-line quote comparison tool will provide you with a wide array of quotes just by typing in your information once.

Remember, there are many factors that can contribute to a high-risk designation. Men who are younger than 25 years of age and people older than 70 have one strike against them.

Incurring multiple traffic violations and/or being convicted of reckless driving or driving under the influence is another strike

Even some medical ailments with an effect on one’s ability to drive can put him or her into the high-risk category. Being aware of all these factors will allow you to make informed decisions about how best to improve your status on the open road.

While the high premiums of non-standard car insurance can be a frightening prospect, it pales in comparisons to the repercussions of driving with no insurance at all.

Compare quotes for FREE now to get on the road to a safer and more economical future.

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