If you’re looking for car insurance, you’ve probably heard of standard and nonstandard auto insurance. While standard auto insurance is the most common type of coverage, nonstandard auto insurance is a specialized type of insurance that caters to drivers with a higher risk profile. But what exactly does nonstandard auto insurance mean?
What is Nonstandard Auto Insurance?
Nonstandard auto insurance is a type of insurance that is designed to cater to drivers who are considered high-risk by insurers. High-risk drivers are those who are more likely to file a claim or get involved in an accident. This can include drivers with a poor driving record, those with a history of DUI or DWI, or those who have had their license suspended or revoked.
Who Needs Nonstandard Auto Insurance?
If you have a poor driving record, a history of DUI or DWI, or have had your license suspended or revoked, you will likely need nonstandard auto insurance. Additionally, if you have a high-performance car or a classic car, you may also need nonstandard auto insurance.
What Does Nonstandard Auto Insurance Cover?
Nonstandard auto insurance typically covers the same things as standard auto insurance, including liability, collision, and comprehensive coverage. However, nonstandard auto insurance may have higher premiums and lower coverage limits than standard auto insurance.
How Is Nonstandard Auto Insurance Different from Standard Auto Insurance?
The main difference between nonstandard auto insurance and standard auto insurance is the level of risk that the insurer is willing to take on. Standard auto insurance is designed for drivers with a low-risk profile, while nonstandard auto insurance is designed for drivers with a high-risk profile.
Additionally, nonstandard auto insurance may have higher premiums and lower coverage limits than standard auto insurance. This is because high-risk drivers are more likely to file a claim or get involved in an accident, which makes them more expensive to insure.
How Can You Get Nonstandard Auto Insurance?
If you need nonstandard auto insurance, you can find it through a variety of insurance providers. However, because nonstandard auto insurance is designed for high-risk drivers, it may be more difficult to find and may have higher premiums than standard auto insurance.
What Should You Look for in Nonstandard Auto Insurance?
When looking for nonstandard auto insurance, it’s important to find a provider that offers the coverage you need at a price you can afford. You should also look for a provider that has a good reputation and a track record of paying claims.
Conclusion
Nonstandard auto insurance is a specialized type of insurance that caters to drivers with a higher risk profile. If you have a poor driving record, a history of DUI or DWI, or have had your license suspended or revoked, you will likely need nonstandard auto insurance. When looking for nonstandard auto insurance, it’s important to find a provider that offers the coverage you need at a price you can afford.