What Is Nonstandard Auto Insurance?

Nonst𓆏andard auto insurance is a category of insurance designed for drivers who insurance companies consider to carry the most risk of an accident. A driver might need nonstandard insurance if they have a poor driving record, a history of accidents, or other factors that the insurer considers to be higher risk.

Not all insurers offer nonstandard auto insurance. This type of policy is typically more expensive than a traditional car insurance policy because the insurance company believes there's a greater likelihood that the driver might file a claim due to an accident.

How Nonstandard Auto Insurance Works

When you request a quote for a car insurance, you'll provide personal information like your age, address🅠, driver's license number, and history of insurance coverage. You'll also provide your vehicle's make, model, age, and mileage. Based on this information, the insurance company will calculate how much risk you pose—essentially, what likelihood there is that it will have to pay for the costs of an accident or other damage.

Every insurance company considers risk differently, and not all insurance companies offer nonstandard coverage. But once you have purchased a policy, nonstandard auto insurance is essentially the same as any other auto insurance coverage—with a higher premium.

Reasons for Nonstandard Auto Insurance

An insurance company may determine that you require nonstandard cove🔯rage for variou♓s reasons, including:

• A suspended or revoked driver's license
• Multiple accidents, traffic violations, or speeding tickets
• Driving under the influence (DUI) without a license or without insurance
• Little driving experience
• Little or no history of car insurance
• Needing an SR-22

If you don't own a car but occasionally need to drive someone else's vehicle, you might purchase non-owner car insurance, which covers bodily injury and property damage liability. Some insurers classify non-owner car insurance as a type of nonstandard insur🐎ance.

Nonstandard vs. Standard Auto Insurance

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Standard auto insurance meets the minimum amounts of coverage required by your state. Typically, coverage includes bodily injury and property damage liability, and it may also include collision, comprehensive, medical payments or personal injury protection, uninsured motorist protection, and more. Depen🅺ding where you live, some of these coverages may be optional.𝓀

Nonstandard coverage includes many of the same 澳洲幸运5官方开奖结果体彩网:types of insurance, but is designed for drivers deemed to be a higher risk of filing a claim—and therefore requiring the insurance company to pay damages. Because of this higher potential for claims, insurance companies typically charge higher premiums for nonstandard auto insurance than they do for equivalent standard coverage.

The Bottom Line

Nonstandard auto insurance covers drivers who have been 澳洲幸运5官方开奖结果体彩网:deemed to have a higher risk of filing a claim with their insurance company. This designation might be due to a lack of✤ experience or lapses in insurance coverage, or a driving record that includes traffic violations like DUIs or multiple accidents. It often costs more than a standard car insurance policy, and not all insurers offer this type of coverage.