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Non-Standard Auto Insurance Coverage from Top Insurance Companies

Accidents can happen to anyone anytime on the road, and they usually do not affect your insurance much if you have the right kind of coverage. However, while one accident may not make you considered high-risk, multiple of them certainly will.

Having a questionable driving history can change the way insurers view drivers, so much so that you may end up in what is known as the non-standard tier of car insurance coverage. Drivers in such a category need non-standard auto insurance since they are seen as being more risky to insure.

Other personal factors, like poor credit or lack of driving experience, can land drivers in this tier as well. It isn’t necessarily bad, but you should be mindful of it. If you find yourself being labeled as a high-risk driver and needing non-standard auto insurance, the information below can assist you in getting the proper non-standard insurance coverage.

What is Non-Standard Auto Insurance?

Non-standard auto insurance is a category of car insurance coverage reserved for high-risk drivers. Non-standard coverage is pretty much the same as standard car insurance coverage except that it comes with higher insurance premiums.

Drivers who have multiple infractions on their driving record have high chances that their insurance provider will put them in the non-standard insurance coverage tier. But high-risk drivers aren’t the only ones that need non-standard auto insurance coverage.

Non-standard car insurance is also reserved for drivers who do not fit in the regular auto insurance categories.

For example, non-standard coverage may be required for drivers who needs auto insurance coverage but does not own a car. A number of major providers offer non-standard insurance, but there are also companies that specialize in this type of coverage.

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Nonstandard vs. Standard Auto Insurance

Insurance companies break down their offers of coverage for drivers into three risk levels: non-standard, standard, and preferred.

Standard Auto Insurance

Standard insurance coverage is in the middle of the risk tiers and is for drivers who are considered at average risk. Drivers who qualify for standard insurance typically have good credit and a record with few or no accidents.

Non-standard Auto Insurance

Non-standard auto insurance coverage is the bottom tier and reserved for drivers who are considered the most risky for insurers. These types of high-risk drivers may have poor credit, a history of accidents, speeding, and will end up paying the most for coverage.

Preferred

Preferred car insurance coverage is for drivers who are considered the least amount of risk for an insurance company based on their driving record and car. These drivers also have the cheapest rates.

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How Does Non-Standard Auto Insurance Work?

When it comes to getting a non-standard auto insurance policy, drivers can receive coverage from their current insurance provider or search for a company that specializes in non-standard insurance.

Drivers who are deemed too risky following a traffic violation most likely will need to look for a high-risk auto insurance provider.

The process of purchasing non-standard insurance isn’t really different from purchasing standard coverage. Drivers can simply get a quote from a car insurance company and purchase the policy.

The only thing you really have to be on the lookout for is any additional requirements your state may impose on you, depending on why you need non-standard auto insurance coverage.

If you need SR22 insurance coverage along with non-standard insurance, you will have to notify your provider to file it for you. Once you have your non-standard insurance policy, you pay your premiums like normal and utilize the coverage in the event of an accident.

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Why Are You in The Non-Standard Tier?

Non-standard auto insurance coverage is a pretty broad term. Drivers can fall into the non-standard coverage category for a number of factors. Typically, any infraction or factors that can raise your auto insurance rates will put you in the non-standard auto insurance category.

Outlined below are some instances of when drivers may be in the non-standard coverage tier for insurance.

High-Risk Driver

If you rack up multiple traffic violations, your insurance company will consider you to be a high-risk driver.

Being a high-risk driver means your rates will go up, bumping you into the non-standard car insurance tier. Even just one DUI conviction can label you a high-risk driver and even have an effect on your insurance rates for years and years.

Salvage Title

Trying to insure a car with a salvage title may increase the risk your insurance company foresees.

A car with a salvage title means that a vehicle’s repairs cost more than the actual value that it is worth. Salvage titles are typically issued by insurance companies when it is established that your motor vehicle is beyond saving.

However, this does not always mean you should get rid of the car. It still could need insurance, and then your insurer will put you in the non-standard risk tier.

Non-Owner Insurance

Non-owner car insurance is considered to be part of non-standard auto insurance coverage. Non-owner insurance is for drivers who do not actually own a car but still need to drive.

While non-owner car insurance can be considered non-standard by providers, coverage is generally more affordable.

Non-owner insurance does not mean you are high-risk or have any traffic violations, so your rates may not be greatly affected.

SR22

Drivers who are convicted of a major traffic violation like reckless driving or a DUI, their state will most likely require them to carry SR22 insurance.

SR22 insurance is not a type of insurance but instead proof that you carry the mandatory minimum amount of insurance established by your state’s government. Your state will usually notify you if you have to file a SR-22 with the DMV.

This insurance is typically required for drivers to be carried for a certain period of time. As long as you are required to carry SR22 insurance, you will have to pay non-standard insurance rates.

Poor Credit

Having a bad credit score can seriously impact your insurance coverage. Drivers with poor credit usually fall into the-standard coverage tier, increasing their insurance rates.

Credit scores are used by insurance companies in order to assess how responsible you are. They believe that if you have a bad credit score, you will make more claims. Due to this credit factor, you can be considered a high-risk driver, leading to the non-standard auto insurance label.

Foreign Drivers

Those with a driver’s license from another country may be put in the non-standard auto insurance tier if trying to get insurance while in the States.

This is especially the case if they do not have a driving record in America that an insurance provider can assess the drivers risk. Without a driving record, companies have a hard time establishing a drivers insurability risk.

As a result of not having a driving record, your attempt to find coverage may be hindered or expensive because you are considered a high-risk driver.

Gaps in Insurance

Letting your car insurance coverage lapse does not look very good to other insurance providers. If you have had gaps in coverage, an insurance company may refuse to provide you with coverage until you purchase non-standard insurance.

Gaps in insurance may be a sign that you are higher risk and not financially responsible, which can then lead insurers to believe you will report more claims.

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Non-Standard Auto Insurance Cost

It is hard to give a definitive answer for how much high-risk drivers will be paying for non-standard auto insurance. Insurance rates are mostly dependent on a drivers personal factors like what state they live in and how they end up in the non-standard risk tier.

For example, a DUI conviction and accident could end up costing you over $7,000 per year for insurance in the state of California. You will need to collect quotes to see what you will be paying but know that non-standard insurance can cost you thousands of dollars per year. It is vastly more expensive than preferred and standard insurance because of your risk level.

How to Buy Non-Standard Car Insurance

Not all insurance companies want to cover high-risk drivers who fall into non-standard auto insurance tier. Your insurer can even drop you. From there, it will be up to you to find different insurance coverage.

Some major providers offer non-standard coverage, while there are also smaller companies that specialize in non-standard insurance for high-risk drivers.

It is all really a matter of doing your research and seeing what is available in your area. Do not just limit your search to major providers. Local providers can offer high-risk drivers valuable coverage at a decent rate. Purchasing a policy is no different from purchasing standard auto insurance.

Choosing The Right Insurance Provider

Having to shop for a new insurance provider can be annoying and frustrating, but you never want to settle for just any type of coverage. To help your search go smoother, you should consider doing the following:

Shop around with multiple insurance companies

Extend your search by looking both nationally and locally for car insurance companies. Finding non-standard auto insurance is not impossible, but it may take a bit of hunting because of your risk level. This is still worth it as you never want to be caught up in an accident without insurance. That can come with more headaches and penalties.

Compare non-standard auto insurance quotes and policies

It is always important to get quotes from every company you look into. Quotes are usually offered for free and give you very valuable insight into your coverage and potential rates. Make sure you do not get caught up in just the prices. While your budget should be at the forefront of your mind, you need to make sure you are not skimping on coverage just for a good rate.

Be mindful of exclusions on your non-standard auto insurance

Non-standard insurance comes with restrictions, and you want to be educated on them before signing onto a policy. Fully review your coverage and ask your insurance agent any questions you have.

Look at your state’s assigned risk pool for insurance

Some states have what is known as an assigned risk pool that is available to high-risk drivers who have been turned away by a majority of insurance providers. Insurers will be assigned uninsurable customers to cover regardless of risk level. Rates can get pretty high and this approach should be a last resort.

Get a Non-Standard Auto Insurance Quote Today

Looking for non-standard auto insurance? Call us today to get a free auto insurance quote. Make sure you let us know your zip code, your driving record, and information on your cars. By providing us with all this, we can get a better idea of the coverage you need. Even if your a high-risk driver, Insurance Navy can provide you with affordable non-standard car insurance.

You can get a quote either at one of our many locations or online via our website and mobile app. You can also start your quote over the phone. Get coverage today and drive worry-free tomorrow.

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Non-standard car insurance may not be available in every state, please call an insurance agent for more information on these types of auto insurance policies. *