Non-standard Auto Insurance
Most drivers are familiar with standard auto insurance coverage options provided by mainstream insurers. However, not everyone qualifies for these traditional policies due to various factors, such as having a poor driving record, lacking insurance history or owning a high-risk vehicle. For these drivers, non-standard auto insurance may provide appropriate coverage.
Non-standard auto insurance is a type of coverage designed for drivers who are considered high-risk by traditional insurance companies. These policies typically come with higher premiums, but they provide necessary protection for individuals who may have difficulty obtaining standard auto insurance.
Who Needs Non-standard Auto Insurance?
Non-standard auto insurance is usually required for drivers who don’t meet the criteria for standard policies. Such individuals may include the following:
- High-risk drivers—Drivers with a history of accidents, traffic violations or DUIs often struggle to find affordable coverage through traditional insurers.
- Drivers with lapses in coverage—If an individual allows their auto insurance policy to lapse or has been uninsured for a period, finding a new standard policy may be more difficult.
- Drivers of specialized vehicles—If a driver owns a vehicle that’s considered high-risk, such as a sports car, luxury vehicle or modified car, standard insurers may decline to cover them, pushing the driver toward a non-standard policy.
While non-standard auto insurance is often more expensive, it ensures that these drivers still have access to the protection they need to stay legal on the road.
How to Get Affordable Non-standard Auto Insurance
Just like with standard insurance, it’s essential to compare quotes from different insurers. Some companies specialize in non-standard coverage and may offer better rates than others.
Contact Bolt Insurance in Citrus Heights, California, for personalized non-standard auto insurance quotes.
This blog is intended for informational and educational use only.