There are a couple of different reasons you may need to purchase non standard auto insurance. Non standard car insurance is insurance for drivers who are unable to obtain insurance through the typical methods.
Usually non standard car insurance it is written for the high risk driver, but it can also be used for new or inexperienced drivers or for drivers who have special value cars.
Non standard auto insurance can offer the same type of auto insurance coverage as standard auto insurance, but it is typically at a much higher premium. To compare non standard auto insurance quotes right next to standard auto insurance quotes just enter your zip code into the free quote finder above!
Drivers Who May Need Non Standard Auto Insurance
Almost all high risk drivers require non standard auto insurance if they plan on driving. High risk drivers are typically drivers with repeated moving violations or serious motor vehicle citations. Drivers with a DUI are almost instantly classified as high risk, as are drivers with a poor driving record such as a list of speeding tickets. If you are risky to insure because your odds of claims are higher, then you will most likely need to buy non standard auto insurance.
It’s not just high risk drivers that may need non standard auto insurance. Sometimes new drivers or inexperienced drivers may have a difficult time buying affordable auto insurance. Insurance companies cannot yet gauge the risk assessment of a particular individual who has no established driving record, so instead they base their rates on statistical analysis that says new drivers are more prone to have accidents and are a higher risk group. The exact same holds true for mature and experienced drivers who are now over the age of 70; despite their driving record they are now statistically a higher risk group.
If you have a special value car, such as a high performance vehicle or an antique, you may find it difficult to get standard auto insurance. While the driver may not be considered high risk, the cost of these vehicles is much higher than the standard car, causing the insurance premiums to be higher than the standard insurance. Depending on your use of the specialty car, you may or may not qualify for standard auto insurance.
How to Find Non Standard Auto Insurance
Years ago it was more difficult to find an insurance company to underwrite a high risk driver. However, since more and more drivers are falling into the high risk category these days, it is becoming more commonplace and the majority of auto insurance carriers now offer both standard and non standard auto insurance.
If you are not sure if you need non standard auto insurance or not, you may want to first apply for standard auto insurance. Your premium may be higher but you still may be able to get standard auto insurance. If your application for standard auto insurance is denied then you will have to reapply for non standard auto insurance. If it is approved, be prepared to pay a high premium for your coverage.
If you are unable to find an insurance company that will approve you for non standard auto insurance, you will need to contact your state insurance department. Most states have created a High Risk Assignment Pool to ensure that high risk drivers are able to obtain insurance. This was created to deter people from driving without insurance and using the excuse that they were not able to get insurance. Instead, a certain number of insurance companies are required to participate in the program and are then required to offer a certain amount of high risk policies. Usually when you apply for the program you are placed in a pool and the next insurance company in rotation will underwrite your non standard auto insurance policy.
Non Standard Auto Insurance and the SR-22 Form
Some drivers lose their auto insurance when they lose their driving privileges. This is usually the case with high risk drivers who have their license suspended or revoked due to extreme moving violations such as a DUI. In order for the driver to have his license reinstated, he needs to first obtain auto insurance. As a high risk driver he will need to buy non standard auto insurance from an insurance company who will then submit a SR-22 form on his behalf.
The SR-22 form is documentation proving that the appropriate amount of coverage has been secured. The insurance company that underwrites your insurance policy will send the SR-22 form to the Department of Motor Vehicles so that your license can be reinstated. If you cancel your policy for any reason or if your policy is terminated by the insurance company for any reason, the insurance company will immediately notify the DMV that the policy is no longer in effect. Once that happens you are at risk of your license being suspended or revoked until you once again purchase a non standard auto insurance policy.
Finding Cheap Non Standard Auto Insurance Rates
Drivers that need non standard auto insurance can expect to pay a much higher rate than then standard auto insurance premium. However, that does not mean that you can’t get a better rate by shopping around. You can get various rates now from different car insurance companies by using the quote tool provided on this page. Enter your zip to start now!